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Yep, it hurt more when the acutal account hit. Just now recovering. But it was worth it.
haulingthescoreup wrote:
I was told here by Reliable Sources that an inq carries the full hurt for exactly one year; no fade. Then, poof, it's gone.
But the more I look at my scores and others, the more it seems that the real score hurt comes less from the inqs and more from the actual new account hitting, re-aging your history. And on that, you do get improvements at 3 months and 6 months (think the simulators.) I've seen this from a zero score change when my second inq hit on EQ, and a 1-point increase when the first one fell off.
And of course, the car loan and mortgage inqs made within a defined time period do clump, so that helps too.