Showing results for 
Search instead for 
Did you mean: 

41 Point Drop From One Inquiry

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Super Contributor

Re: 41 Point Drop From One Inquiry

@ImTheDevil wrote:

OP, go through your reports with a fine tooth comb. Unless you have a ton of inquiries, I can’t see any way this inquiry would smash your score for 41pts.

Actually, if this were the case the OP would have lost even less or no points.  Once someone has a certain amount of scoreable inquiries present on their CR (say 15+) the addition of more inquiries stops impacting score.  Maximum scoring penalty happens at a certain point and adding more inquiries won't further lower score.

Message 11 of 12
Super Contributor

Re: 41 Point Drop From One Inquiry

@mmmagique wrote:

Maybe it's coincidental, but they email me every time there is any change, and this is the only change there has been. 

This is a common misconception.  You receive "alerts" for alertable events.  There are plenty of non-alertable events that you won't get notifications of, but they can be score-changing events regardless.


There is no way that a single inquiry impacted a FICO score 41 points, so it simply means that something else changed which caused the score drop (and the majority of that score drop at that). 

Message 12 of 12
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.