No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
New hard INQ on EX (4 --> 5, 4 of which are < 1 yr old) cost 7 points (821 --> 814).
I added a HELoan in June and a card in March of this year.
I'll be able to find out (for free) the impact on the other scores (848, 832) in a week.
We'll see what happens in April, when scoreable INQs fall back to 3.
Happy New Year, all y'all. ![]()
| EQ | 8?? | 0 INQ | 7y4m |
| EX | 840 | 4 INQ (2 CC, 2 auto) | 7y |
| TU | 8?? | 1 INQ (CC) | 6y8m |
| 3/24 | 1/12 | AoYA 10m | AoOA 24y2m | ~1% |
@expatCanuck wondering if your inquiry has fallen off yet? If yes, please share the impact on your score. Thank you.
My Experian FICO 8 dropped 7 points yesterday, from 777 to 770, after a HP from Amex.
It hasn't shown up yet on MyFICO, but I saw it on the Experian website.
I was 1/6, 2/12 inquiries on Ex. Now 2/6, 3/12. In May, I'll be 2/6, 2/12 (if I don't apply for anything else).





















@expatCanuck wrote:New hard INQ on EX (4 --> 5, 4 of which are < 1 yr old) cost 7 points (821 --> 814).
I added a HELoan in June and a card in March of this year.
I'll be able to find out (for free) the impact on the other scores (848, 832) in a week.
We'll see what happens in April, when scoreable INQs fall back to 3.
Happy New Year, all y'all.
This suggests that 5 inquiries is a threshold, which is confirmed by my experience of gaining points when my EX inquiries dropped from 6 to 5.
Unfortunately, I think 3 is the bottom rung of that bin, so that your dropping to 3 in April could well be a non-event, and you would have to wait until you drop to 2 to see a point gain.





























Just the other day my Credit Karma TU score dropped 3 points as soon as a 3rd inquiry showed up on my report.
Now I'm not so sure about the 3-5 bin. I just gained 7 points in EX FICO 8 from my scorable inquiries dropping from 4 to 3.




























