Estimate bump from 3 Inquiries aging a year?

[Anonymous]

I have 4 Inquiries on my TU, one from last month for a new card, 3 from CA inquiries from 5/06. Once these last 3 pass the year mark, can I expect to see a few points bump?

I'm sort of resigned to the expense of updating each time an item is added/drops so that I can get a 'clear' idea of how the scoring works. Of course 'clear' is a relative term, given a new account just knocked my TU down 10 points and my Efx UP 5 points.

[haulingthescoreup]

I have picked up a couple of points when an inq goes over a year, and maybe a little more for the card itself having its birthday. So maybe 5 points for the two together on each card.

[Junejer]

nycc, you won't get any bump from those inqs falling off. You already received any reward due you at the one year point (back in May '07). Sorry.

[haulingthescoreup]

Hey, sharp eyes, ByrdMan, I missed that entirely! You're right, the 2006 inqs stopped counting last year.

So nycc, the only inq that's affecting your scores is the one from last month, which will count until February 2009, and then display but not count until February 2010.

[Anonymous]

he should see a bump fromTU direct.  they keep 'em for 2 years.  but not on TU my fico.  i think a month later it will show on WAMU score.

[Anonymous]

---

@Junejer wrote:
nycc, you won't get any bump from those inqs falling off. You already received any reward due you at the one year point (back in May '07). Sorry.

---

Sorry, my bad: the inquiries were added in May of 2007. I lost a year somewhere

[Junejer]

---

@Anonymous wrote:

---

@Junejer wrote:
nycc, you won't get any bump from those inqs falling off. You already received any reward due you at the one year point (back in May '07). Sorry.

---

Sorry, my bad: the inquiries were added in May of 2007. I lost a year somewhere

---

In that case, you should be okay for a coupla points when they fall off. It all depends on how much they actually hurt you for in the beginning. I have inqs that didn't cost me a single point, I am not expecting anything back from those inqs when they fall off.

[Junejer]

---

@Anonymous wrote:

he should see a bump fromTU direct.  they keep 'em for 2 years.  but not on TU my fico.  i think a month later it will show on WAMU score.

---

casino, whether they show for a year or two years, inqs only hurt the FICO score for one year.