How has TU & Equ moved up 20 to 25 point the past 6 mos and Exp Mod cut - no profanities, please sittin' at up 3 points with same info. Could it be that Exp shows 6 inquiries and the others show 0 to 1?
@Anonymous wrote:6 inquires verses 0 or 1 could explain the score gap between the scores, but IMO it wouldn't explain the gap between relative gain. If your score is X with 0-1 scoreable inquires and moves to X+25 in 6 months and you still have 0-1 scoreable inquiries, I would expect a score of Y with 6 scoreable inquiries to move up to approximately Y+25 points in 6 months time with 6 scoreable inquiries present. The differential between the starting/ending X and Y scores should be ~25 points at both the starting point and ending point 6 months later.
My question would be how many scoreable inquiries did you have per bureau 6 months ago and how many today?
Also keep in mind that scores are drawn on bureau data, so EX isn't being "stingy" it's more than likely simply using different data to generate your score than the other 2B.
Far as I know, hard inquiries aren't global. Exp has the brunt of mine, and it shows 7, not 6...the others show just 1 each. My inspection suggests that my newly formed alliance with ResidentLink (4 mos), which reports my rent to Exp & TU, is showing up on Exp as a loan balance each month. That pushes my total loans to 19% of my credit available on Exp. TU shows my rent as a $0 balance. Each bureau is interpreting this rent booster data differently.
@Anonymous wrote:
@LP007 wrote:Far as I know, hard inquiries aren't global. Exp has the brunt of mine, and it shows 7, not 6...the others show just 1 each. My inspection suggests that my newly formed alliance with ResidentLink (4 mos), which reports my rent to Exp & TU, is showing up on Exp as a loan balance each month. That pushes my total loans to 19% of my credit available on Exp. TU shows my rent as a $0 balance. Each bureau is interpreting this rent booster data differently.
Can you clarify whether or not your are talking about all inquiries on your CR or scoreable inquiries?
Yeah, hard ones. But #'s 5-7 on Exp are the same timeframe for Apartment/housing apps (July 2020), so they count as one. The other hards are Discover 2019, Amex 2019, Chase 2019, and a Mortgage pre-qual in March 2020 (opted out of house search once Covis landed).
@Anonymous wrote:Scoreable inquiries are defined as hard inquiries on your credit report that are less than 365 days in age. Unscoreable inquiries are hard inquires on your credit report that are 365 days or older.
Exp:
"Mod cut - no profanities, please"
Sorry, mod.