Since when does inq help?

[Shellie]

I applied for Discover yesterday and was denied.  I got an alert just now and my score rose from 621 to 636 and all that is sited is the new inquiry that was added.  Any ideas?

[Shellie]

Anyone?

[Shogun]

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@Shellie wrote:

Anyone?

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Most likely it coincided with monthly aging of AAoA.

[Shellie]

I've never gotten a 15pt boost for AAoA before so that never crossed my mind.

[myjourney]

Any INQ's fall off?

[Shellie]

Not sure.  I think one or two may have been set to fall.  I'll have to check.

[myjourney]

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@Shellie wrote:

Not sure.  I think one or two may have been set to fall.  I'll have to check.

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I'm under the same belief as Shogun that things happened at the same time .....crossed paths 

[Shellie]

I'm looking at a TU report I rulled today and it shows 9 INQ's but some of them had multiple pulls.  Like SYNCB(no clue who this is) shows 10/2013, 03/2014 and 05/2014.  Does that count as 3? 

I still have 5 that were un authorized from a dealer that I can't get removed.  They have a year left.

Only 2 set o fall off later this year. Again this is only TU.

[gdale6]

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@Shellie wrote:

I applied for Discover yesterday and was denied.  I got an alert just now and my score rose from 621 to 636 and all that is sited is the new inquiry that was added.  Any ideas?

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Yup, i have seen this previously it usually happens when one has 0 inquiries on report and apps for some new credit, the first inquiry can boost score and I assume it happens by way of the new credit category.

[Shogun]

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@Shellie wrote:

I'm looking at a TU report I rulled today and it shows 9 INQ's but some of them had multiple pulls.  Like SYNCB(no clue who this is)New name for GE Capital shows 10/2013, 03/2014 and 05/2014.  Does that count as 3? 

I still have 5 that were un authorized from a dealer that I can't get removed.  They have a year left.

Only 2 set o fall off later this year. Again this is only TU.

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