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How many points for losing inquires?

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Anonymous
Not applicable

How many points for losing inquires?

Title says it all about how many points for losing 3 to 4 inquiers. And 3 CC accounts becoming 1 year old.
Message 1 of 7
6 REPLIES 6
Anonymous
Not applicable

Re: How many points for losing inquires?

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.

Message 2 of 7
haulingthescoreup
Moderator Emerita

Re: How many points for losing inquires?

I got 33 points on TU for 5 accounts turning a year old, and there weren't any TU inqs among them.

I got 15 points from EQ for the same thing, and there were 3 EQ inqs in there.

Go figure!
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 3 of 7
Junejer
Moderator Emeritus

Re: How many points for losing inquires?


Saabu wrote:
Title says it all about how many points for losing 3 to 4 inquiers. And 3 CC accounts becoming 1 year old.
If they are turning one year old, then you will get the points that you lost at the time of the initial INQ.






Starting Score: 469
Current Score: 819
Goal Score: 850
Highest Scores: EQ 850 EX 849 TU 850
Take the myFICO Fitness Challenge
Message 4 of 7
Anonymous
Not applicable

Re: How many points for losing inquires?


@Junejer wrote:

@Anonymous wrote:
Title says it all about how many points for losing 3 to 4 inquiers. And 3 CC accounts becoming 1 year old.
If they are turning one year old, then you will get the points that you lost at the time of the initial INQ.

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).

Message 5 of 7
llecs
Moderator Emeritus

Re: How many points for losing inquires?


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?

Message 6 of 7
Anonymous
Not applicable

Re: How many points for losing inquires?


@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.

 

Message 7 of 7
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