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On monday, I apped for a Chase card after spending 26 months in the garden
No HP were on any of my reports until this recent one
I lost 17 points just on one f###ing inquiry
The new account hasnt posted yet and AoYA hasnt reset either
EX8 I lost 3 points
Please note the too many inquiries in the last 12 months. I only have one on the entire freaking file
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A year ago my AoYA hit 1 year mark
All three F8 scores went up 15 - 22 points
ON THE VERY SAME DAY
All three F9 scores DROPPED 12 - 14 points each
If someone says the word rebucket, Im gonna flame out
Could some mod please pass this on to Admin_Cindy
After calming down A LITTLE BIT
Another possible scoring change could have occured when Discover reported a new balance of $1450 / $15000 a few weeks ago, or if rounded up, it went from 0% to 10%. TUtil at <1%. I will know for sure in a few days when new balance = rounded up to 9%. I lost 2 F8 points when it posted
That's a ridiculous amount of points for one inquiry. If it is broken hopefully it'll get fixed soon.
I also want to add that while my Fico 9's are all higher than F8's; my EX F9 (along with some of the mortgage versions) mention I've been recently looking for credit; I have 4 inquiries on EX report- 2 from Amex in 10/2019; mortgage prequal 11/2019 and 3/2020. I'm on a dirty scorecard so maybe it's not as heavily weighted for me.
There is definitely a discrepancy between WF EX9 in comparison to other scores. My EX9 went down -15pts, the only change was an inquiry and two balances vs three reporting. EQ9 -4pt and EQ8 -1pt.
one of the reasons stated "No recent revolving balances" but there is one revolving card and one installment reporting with balances
@Meanmchine wrote:After calming down A LITTLE BIT
Another possible scoring change could have occured when Discover reported a new balance of $1450 / $15000 a few weeks ago, or if rounded up, it went from 0% to 10%. TUtil at <1%. I will know for sure in a few days when new balance = rounded up to 9%. I lost 2 F8 points when it posted
This speculation is incorrect. After doing further checking, I had only lost 2 points when Discover reported a balance. My F9 dropped from 815 to 813 which means the inquiry still cost me 17 points
My fico9 is almost 100 points lower than my fico8!
Drives me crazy!
DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!
As always interesting? Gave up trying to figure it out. Did a BT with Discover for around $1,500 and expected my scores to crash ... waited a few days and explored numerous CBs. Results were no change... oops my Mortgage Scores improved a few points (go figure).
Concerning Mortgage Scores the comments have read too short a loan period, too high utilization ... and the same has been the case for my vehicle loan in the past (until the outstanding balance was under 30%).
Will add the last new hard inquiry was November 2017.
I also have 1 INQ and it labled as too many inqs, good to know you have such a high score that you get the same codes as me minus the CFA...I posed the question should I care about my Fico9 scores? Its a just a game and your scores no matter how high they are will always have some codes attached to them...
@AzCreditGuy wrote:I also have 1 INQ and it labled as too many inqs, good to know you have such a high score that you get the same codes as me minus the CFA...I posed the question should I care about my Fico9 scores? Its a just a game and your scores no matter how high they are will always have some codes attached to them...
+48 Tremendous !!
What triggered it?