No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
According to the FICO model, inquiries older than 12 months no longer negativity impact your FICO score, meaning you should in theory see your score go up when nothing else changes. In practice the inquiries nearing 12 months of age likely already have little impact, so when they pass the 12 month mark you might not notice any significant change in your score, especially when other variables (age of history, AAoA, utilization, etc.) come into play.
Correct..Also the less hard inquiries the better it is for your Fico score especially regarding cc's.
Yeah, exact same result when I was going through my mortgage process. All counted full monty to the day.
It's just aggregate number of inquiries with some breakpoints for them, no aging factor at all unlike some negatives.