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scores went up 54 points in a few hours!

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Anonymous
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scores went up 54 points in a few hours!

Ok so I get an alert from myfico that my score went up after an inquiry from credit plus. It shows 54 pts up on my equifax score only. What happened? I am super excited but I am worried it's just a glitched...hard time believing it could go up 54 pts from an inquiry :/

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takeshi74
Senior Contributor

Re: scores went up 54 points in a few hours!

The inquiry did not increase your score.  The inquiry triggered the update.  There is one or more other changes that led to the overall scoring increase.

 

myFICO is a trigger based service.  Not all activity with a scoring impact is a trigger so be aware of what is and what isn't a trigger.

http://myfico.custhelp.com/app/answers/detail/a_id/463/~/understanding-what-triggers-fico%C2%AE-3-bu...

 

You cannot rely solely on alerts to determine the cause(s) of a scoring change.  You'd need to carefully review reports from before and after the scoring change.

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