Unexpected Score Increase

[ozzman469]

Last weekend I went car shopping with my son. He's 19 and this is the first time he's ever applied for credit. Needless to say I needed to co-sign for him because of that, which was no big deal. I was expecting a small ding for the hard pulls, but instead I got the inverse. My score went up a couple of points because of it. Never had that happen before and was unexpected.

[Creditwiser]

Can't say I've ever had a score bump from an Inquiry. Always a few points ding.  Although today I received a 3 point bump on EX for having the total of all Card balances increase $37. Bizarre to me. I do have several Cards with zero bal but also a few cards with a bal. Definintely not AZEO.  Fico, go figure 

[sznthescore]

Aging happens at the beginning of each month and the factors listed below could have offset the inquiries incurred applying for the auto loan. FYI

Note: Even though it says "decreased" I think they mean "increased"

[SouthJamaica]

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@ozzman469 wrote:

Last weekend I went car shopping with my son. He's 19 and this is the first time he's ever applied for credit. Needless to say I needed to co-sign for him because of that, which was no big deal. I was expecting a small ding for the hard pulls, but instead I got the inverse. My score went up a couple of points because of it. Never had that happen before and was unexpected.

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Your score increase was not from the inquiries.

[M_Smart007]

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@SouthJamaica wrote:

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@ozzman469 wrote:

Last weekend I went car shopping with my son. He's 19 and this is the first time he's ever applied for credit. Needless to say I needed to co-sign for him because of that, which was no big deal. I was expecting a small ding for the hard pulls, but instead I got the inverse. My score went up a couple of points because of it. Never had that happen before and was unexpected.

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Your score increase was not from the inquiries.

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Ya, I don't think I have ever had a score increase ..due to inquiries.

[babbles]

I am hoping I can get 3 pts for my TU file

[DONZI]

..would the score increase be related to indirectly(?) adding an installment loan?

[Thomas_Thumb]

I'd speculate a drop in revolving utilization and/or accounts with balances was the score booster.

OP - Did you have any open installment loans on file prior to the cosign? If not, any closed loans?

[OmarGB9]

Definitely not caused by the inquiries.