@Varsity_Lu wrote:
@FICOdawg wrote:So 24 months with no pulls is another point gain? Any idea how much.
i want to get third card to score optimize so may pull trigger so clock starts.
With boat loan i want to get best rates are with 760+.
It's my understanding that FICO only looks back 12 months for new accounts and hard inquiries, but VantageScore penalizes back to 24 months.
^This!
Hard inquiries show up for 2 years but only count for 1 year for the purposes of FICO scoring. As for Vantage 3.0 scores, yes, hard pulls do count for 2 years, but honestly, who cares?
