I've not applied for any new credit in the last 24 months (until this month) and was with scores as such before the new card application:
EQIFAX = 806
TRANSUNION = 798
EXPERIAN = 792
..there is always some 'noise' on my scores since I allow my balances to report most of the time. Thus some of the reductions I see since applying are normal score fluctuations.
As of today, my FICO 8 scores are in my signature.
According to myFICO, my mortgage scores (FICO 5,4 & 2) are:
EQIFAX = 808
TRANSUNION = 765
EXPERIAN = 789
NOTE: I don't know if the 1 HP I had to EX plus new account dings are similar or not to applying for mortgage loans. I do read that multiple HP while searching for loans, within a certain time window will all be consolidated into in effect 1 final HP inquiry for score HP computation. Others will be able to elaborate better than I on that stuff.
Did you apply for anything recently? Whats done is done now with the # of inq's you have now. Dont make any moves before applying for the home loan. Good luck on getting your house.
I was very meticulous with my scores prior to home shopping. My newest inq was 9 months old at the time of my HP and I have groomed my scores with <2% util across the board. My mortgage scores dropped from 8-12 points when I went mortgage shopping. My FICO 8's only seen like a 6 point drop which coincidently gained 4 points the following week. Probably due to the timing of balance reporting but still found it interesting.
I was milking my fico mortgage scores for all I could, as I was just below the magic 740 and I tried (unsuccessfully) to squeeze as many points as I could. But with my 2 year old BK7 ive found it impossible to go higher than around 720's for the mortgage scores and 715 ish fico 8's.
I think you should only see simular point loss if ALL you are concerned about is inq's. Keep in mind those scores are also sensitive to util more than the 8 score model.
