How many dings, on average, for an INQ?

[pazuzu]

n/t

[Creditaddict]

maybe none, maybe 10-20 points... just depends what bucket your in and how many other inq you have, etc.

[pazuzu]

My app for that dumb frackin' Best Buy card was my first INQ in 12 months.

[MarineVietVet]

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@pazuzu wrote:

My app for that dumb frackin' Best Buy card was my first INQ in 12 months.

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Minimal ding if any at all.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[llecs]

YMMV based on your scoring bucket, number of inquiries reporting already within the past yr, the amount of new credit reporting, and so on. I've gone from 0 to 1 and 1 to 2 and had no ding per FICO. But I clearly remember adding a 6th or 7th inquiry, but first in several months, and saw a 7 pt drop. At one point I added 30+ inside of a year and didn't see any score changes. The real damage come from adding the new TL.

[ficonightmare]

Since I added a new ZYNC card and Amex backdates, will I take a ding for that as well?

I thought the AAoA takes a ding, but backdating shouldn't, right?

[Anonymous]

20 points every time

[pazuzu]

HSBC/Best Buy pulled Equifax.

Did my monthly pull, inquiry showing, score is up +3.

[MarineVietVet]

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@Anonymous wrote:

20 points every time

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Hello and welcome to the forums.

So you are saying that every inquiry will cost you 20 points? Have you experienced this yourself? I'm just curious as to where you get that number.

From a BK years ago to:
EX - 9/09 pulled by lender 802, EQ - 10/10-813, TU - 10/10-774

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

[Anonymous]

DW got a 7 point hit going from her 2nd to 3rd inquiry on Equifax. I didn't see any hit going from 0 to 1 inquiry.

It varies greatly depending on everything else going on in your report.