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Inquiries remain for 2 years, but stop affecting your score after 1 year. So, when they fall off in 2 years, you'll see no change from those.
For the accounts turning 1 year old........I'll leave this to someone else.
I'm moving this to Understanding FICO Scoring.
If they are turning one year old, then you will get the points that you lost at the time of the initial INQ.
Saabu wrote:
Title says it all about how many points for losing 3 to 4 inquiers. And 3 CC accounts becoming 1 year old.
@Junejer wrote:If they are turning one year old, then you will get the points that you lost at the time of the initial INQ.
@Anonymous wrote:
Title says it all about how many points for losing 3 to 4 inquiers. And 3 CC accounts becoming 1 year old.
i don't know how many points i lost. All i know is that Jan 08 my EQ was 619 and now is 514. 5 missid payments(missed one payment that is applied to 3 tradlines).
Saabu wrote:All i know is that Jan 08 my EQ was 619 and now is 514. 5 missid payments(missed one payment that is applied to 3 tradlines).
The lates are tanking your score. Have you tried to GW them?
@llecs wrote:
@Anonymous wrote:All i know is that Jan 08 my EQ was 619 and now is 514. 5 missid payments(missed one payment that is applied to 3 tradlines).
The lates are tanking your score. Have you tried to GW them?
Yea she the branch manager said that they can't change the/GW them. I sending a letter to the president.( of the 4 Credit Union chain.