1-point boost, 2-point drop; I did nothing

[expatCanuck]

Received a score change alert today.  TU went from 798 to 799.

The only reason that I can think of is that the 2 INQs from our refi were last July, so they're now 6+ months old. 

Reasonable?

[jlitnns]

This is just the credit gods mocking you since you're knockin on the 800 door... In all honesty I think the 6 month mark is a threshold for inquiries but I would wait for an educated response.

[expatCanuck]

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jlitnns wrote:

This is just the credit gods mocking you since you're knockin on the 800 door ...

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D'ya  think?  

Bastiches ...

[Anonymous]

I couple of experienced members here like Rev have stated many times in the past that the impact of inquiries over time does not lessen, meaning that they impact X number of points on Day 1 and then at 1 year stop impacting X number of points all at once.   

[expatCanuck]

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BrutalBodyShots

 wrote:

I couple of experienced members here like Rev have stated many times in the past that the impact of inquiries over time does not lessen, meaning that they impact X number of points on Day 1 and then at 1 year stop impacting X number of points all at once.   

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Then, undoubtedly, it's simply that the credit gods are mocking me.

[Anonymous]

What else could a 1 point increase be attributed to, other than an inquiry???

[Anonymous]

It could be aging of anything else other than an inquiry.

[Anonymous]

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wrote:
It could be aging of anything else other than an inquiry.

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Most of the increases for aging I've seen folks get have yielded more than 1 point. Most of my aging increases have been like 4 or 8 points. I did lose 1 point for an inquiry. 

[Anonymous]

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wrote:

Received a score change alert today.  TU went from 798 to 799.

The only reason that I can think of is that the 2 INQs from our refi were last July, so they're now 6+ months old. 

Reasonable?

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I just had an inquiry go over 1 year on January 26. January 27 I gained exactly one point... lol. For me it’s pretty standard to gain a point or two at 3 months, 6 months, and one year. I usually lose around 5 or 6 points on my first inquiry. Maybe around four for a second, and I’ve never had more than two Inquirys in a year so no clue for a third and on. So going by my profile happenings that inquiry over a threshold seems about right.

[Anonymous]

I'd also add that a 1 point (or even 2-3 point) fluctuation is pretty common on this forum for seemingly nothing changing on a profile.  I experienced that more on my dirty file, which now that it's clean doesn't seem to be as much of a problem.

I remember back when I was dirty by TU score would bounce between 763-764-763-762 all the time for nearly 10 months.  No rhyme or reason, as nothing was changing on my profile outside of just natural aging of everything.