@Anonymous wrote:I wonder if i didn't have my inquires, would my scores close in on 800? I suppose that would mean my AAoA would go up as well since the inquires need to age to drop too.
Certainly, losing 13 inquiries per report would have an impact on your score; it could net you probably 50-75 points (figuring a net gain of +5 points/inq on average)! 
@thom02099 wrote:
@Anonymous wrote:I wonder if i didn't have my inquires, would my scores close in on 800? I suppose that would mean my AAoA would go up as well since the inquires need to age to drop too.
Certainly, losing 13 inquiries per report would have an impact on your score; it could net you probably 50-75 points (figuring a net gain of +5 points/inq on average)!
Inquiries aren't nearly that intensive on the base score, nor are they linearly penalized in the algorithm. Sitting at a 700 or thereabouts on the DCU pull, it's unlikely it'll kick the OP up 50 points, let alone anywhere close to 800. Amex was probably a bankcard enhanced pull anyway, but my guess is maybe 15-20 points in this case but it does depend what else is in the report.
Generally speaking, for any moderately thick file, it takes a while to reach 800; 720 is pretty much obtainable by virtually everyone without significant derogatories within a a year or two... get comfy after that though, diminishing returns are littered throughout the model.
