@Anonymous wrote:So, I just bought all 3 of my credit scores though I only needed Transunion. According to my CK trans increased by 38pts. However, my fico trans score didnt increase. I just looked at my reports and my Fingerhut account, which according to CK is the reason for my increase. Is this normal? Yes its totally possible it is impossible to take your Vantage Score that CK gives you and try to equate it to your true Fico score, in some cases it can be off +- 100 points. They are 2 totally different models.
Also, upon looking at all 3 of my reports I noticed that my Sprint bill is being reported as Diverisifed on Trans and Ex, but on Eq its reporting as something different. Anything I can do about that? No, its just the name they are registered with on that CRA and its not necessarily the same across all the CRAs.
@Anonymous wrote:
Ok...I'm just not understanding. My Trans score didn't move at all..up or down. And I know with inquires a decrease usually happens...not that I want a decrease, but it just seems so odd that nothing happened.
Inquiries in my and other people's experience aren't counted linearly and there's a certain point in terms of inquiry count where they stop hurting any more at all. While a inquiry is never positive, it can be 0 in terms of score penalty.
It's a step function as near as I can tell from my and others' data; dumb example to try to illustrate though this doesn't quite hold with me, either the first mortgage pull scores funny or something because I went from 0 -> 1 on EX with my mortgage and it didn't hiccup (I will have to try when I get clean in roughly a year and then take an inquiry again to see what scores do). That one threw me but dumb example time:
0 -> 1: drop
1 -> 2: no drop
2 -> 3: drop
3 -> 4: no drop
4 -> 5: no drop
5 -> 6: drop
etc.
To try to phrase it differently: an inquiry is never positive, but the damage can range from 0 to X.
It can be zero, and that depends on the number of other inquiries (and maybe other things) in the report.