Finally an 850 (EX8)...with some reference DP's

[iv]

Going back and checking past reports - yes, it seems that the Insights section does hide inquiries that don't yet count.

I had an inquiry on 1/26, that showed in the Report section on 2/6, but not Insights. On 3/6, it was there in Insights.

It does make sense - Insights should only show items that actually have a scoring effect... but it would be better to show inquries in the 30-day buffer period somewhere in Insights as "pending", or something similar, to avoid confusion.

[Anonymous]

Congrats first of all!  I am truly impressed by your DPs.  Seeing your breakdown gives me an idea on how I am able to achieve the same thing in the future.  

[jcooks]

...so what you're telling me is I need to open 15 more accounts to get a perfect score.  GOTCHA!  app spree x3 here i come!

On a real note, congrats to the 850!

[Anonymous]

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@iv wrote:

Going back and checking past reports - yes, it seems that the Insights section does hide inquiries that don't yet count.

I had an inquiry on 1/26, that showed in the Report section on 2/6, but not Insights. On 3/6, it was there in Insights.

It does make sense - Insights should only show items that actually have a scoring effect... but it would be better to show inquries in the 30-day buffer period somewhere in Insights as "pending", or something similar, to avoid confusion.

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@iv but what about credit card HPs that instantly are scoreable?

[Curious_George2]

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@Anonymous wrote:

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@iv wrote:

Going back and checking past reports - yes, it seems that the Insights section does hide inquiries that don't yet count.

I had an inquiry on 1/26, that showed in the Report section on 2/6, but not Insights. On 3/6, it was there in Insights.

It does make sense - Insights should only show items that actually have a scoring effect... but it would be better to show inquries in the 30-day buffer period somewhere in Insights as "pending", or something similar, to avoid confusion.

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@iv but what about credit card HPs that instantly are scoreable?

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I thought the same thing, but @iv nailed it. I had a HP on TU for a credit card app on 5/17. My score didn't change then. Just today (30 days later) TU8 dropped by one point and the "seeking credit" reason code appeared (strangely enough, in third position). 

Before this thread, I had never considered the possibility of a delay in score effect for CC inquiries, but clearly there was for me on TU8 this time. 

[iv]

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@Anonymous wrote:

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@iv wrote:

Going back and checking past reports - yes, it seems that the Insights section does hide inquiries that don't yet count.

I had an inquiry on 1/26, that showed in the Report section on 2/6, but not Insights. On 3/6, it was there in Insights.

It does make sense - Insights should only show items that actually have a scoring effect... but it would be better to show inquries in the 30-day buffer period somewhere in Insights as "pending", or something similar, to avoid confusion.

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@iv but what about credit card HPs that instantly are scoreable?

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While I don't have enough data to make a universal statement on the 30-day buffer and non-mortgage/auto/student loan inquiries... I can say that at least some of the time, credit card inquiries (and other generic/other inquiries) are not instantly scoreable, and do have the same 30-day buffer applied.

This has been tested (and argued about...) for many, many years here - and it may come down to the exact inquiry type code each lender uses (sadly, not visible from any source that I know of), but it's been shown repeatedly that the 30-day buffer isn't limited to mortgage/auto/student loans.

[Anonymous]

it’s limited to loan inquiries. For instance you go to the credit union they do a loan inquiry for a credit card product, so it’s buffered for 30 days because it’s coded as a loan inquiry. Credit card inquiries if coded as a credit card inquiry aren’t buffered. Yes we went over this ad nauseam. It all depends on how the lender codes it.

[iv]

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@Anonymous wrote:
It all depends on how the lender codes it.

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Yup. And in practice, at least some CC lenders, some of the time, code their pulls as inq types that are buffered.

And I'd be really interested to find out if the display in the myFICO Insights section truly reflects current inquiry scorablilty or not. We know that the interface hiding HPs after a year is connected to them being unscorable... so it's possible that the Insights section is actually using the scorability of the inqs to affect display.

(And I'm curious if HPs taken for CCs that end up being buffered for inq coding reasons also get de-duped, or if there are some inq code types that are buffered but not de-duped...)

[Anonymous]

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@iv wrote:

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@Anonymous wrote:
It all depends on how the lender codes it.

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Yup. And in practice, at least some CC lenders, some of the time, code their pulls as inq types that are buffered.

And I'd be really interested to find out if the display in the myFICO Insights section truly reflects current inquiry scorablilty or not. We know that the interface hiding HPs after a year is connected to them being unscorable... so it's possible that the Insights section is actually using the scorability of the inqs to affect display.

(And I'm curious if HPs taken for CCs that end up being buffered for inq coding reasons also get de-duped, or if there are some inq code types that are buffered but not de-duped...)

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@iv yes, I have definitely had some buffered when coded as a loan, more common with credit unions, it seems. And any that have been buffered are de-dupped; it seems they go hand-in-hand from what I've observed. Seems if it's coded as a loan inquiry, it's both de-duplicated and buffered

That's a great idea, because the data is coming over from the CRAs, 24 or 25 months of inquiries, so it's got to be suppressed at some point. I'll look forward to what you find!