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Hey guys just curious .. How many inquires do you have total from all three credit agency?
EQ EX TU
2009 2 4 3
2008 2 5 0
4 9 3 (16 total)
Fico score 746----739----768
plus
score
EQ 8 all recent
TU 18 only 1 recent that may be affecting my score.
EX 6 3 rencet that may be affecting my score
Hard INQ's:
Within 12 months:
EX = 1
EQ = 0
TU = 0
Total:
EX = 3
EQ = 1
TU = 1
I'm far more concerned about AAoA than INQ's.
EQ, EX = 4y 3m
TU = 4y 8m <== I am certain that those 4 months age separate me from High Achiever status.
Inq in last 12 months.
Ex = 2
Eq=0
Tu=0
Total
Ex=12
Eq=8+
Tu=8+
All this should fall off the report in next few months.
AAoA = 1.4 years
Inquiry
EX 2008=10 2009 =3 (3 affecting score goal 0 in 2yrs by 4/2011) FAKO 730)
EQ 2008 = 7 2009 = 7 (7 affecting score; goal 0 in 2yr by May 2011) FICO 718
TU 2008 = 0 2009 = 0 FICO 709
Avg acc age 8 yrs
The only inquiries I have are from this year.
Experian: 7
Equifax: 9
TransUnion: 4
Hard inqs
12 months or less: EQ 0, EX 0, TU 0
> 12 months: EQ 0, EX 2, TU 0
I have five hard INQs, all on EX.
One of those is 2 months old (for new CU checking acct)
The other four all turned one year old this past week (woohoo!)
Affecting my score:
TU - 2 - Oct 09 + 1 bill collector, no longer affect Nov 23 2009
EQ - 1 April 09 credit
EX - 1 - Sept 09 credit
Tu is the only report that has several bill collectors, like maybe 5 more. All others have no additional inks other than listed above.
Soon to be more.
In the last 12 months
EQ-1
EX-0
TU-0
Total
EQ-9
EX-6
TU-5
Of these 9 were auto loan inq. By 02/10 only 3 will remain.