Credit Score Went up 4 Points After CC Approval

[10022016]

Is this really strange? I already have a great credit score to start off with. I had 0 inquiries prior to this CC acceptance.

[Anonymous]

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@10022016 wrote:

Is this really strange? I already have a great credit score to start off with. I had 0 inquiries prior to this CC acceptance.

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It sounds more like a little bit of aging on the accounts.  Inquiries don't cause score gains.  If you had 0 inquiries on your reports, I am going to assume that you haven't had a new account for quite some time.  If that is the case, you will see a score drop when it hits your reports.

What service are you using to monitor your scores?  Some alerts can be a bit misleading depending on what you're using.

[10022016]

Using Experian website. The moment I gave them the one time pin for locked credit report it immediately reported to the credit bureau and score went up. Everything happened in real time.

[Anonymous]

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@10022016 wrote:

Using Experian website. The moment I gave them the one time pin for locked credit report it immediately reported to the credit bureau and score went up. Everything happened in real time.

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So the Experian report shows the new inquiry and the new card account as well?

I also have Experian CreditWorks Premium, so I'm very familiar with how fast they update from normal statement closings.

[10022016]

Just the hard inquiry by the new creditor.

[Anonymous]

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@10022016 wrote:

Just the hard inquiry by the new creditor.

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Ok, so what might have happened is that you got some points from aging on the 1st - this has happened to me a lot over the past 8 months.

For example, when my Age of Youngest Account reached 3 months, I got +23pts on EX FICO 8.

You may have received +9 points on the 1st, but an inquiry at -5 points made it a net gain of +4 points.