Well we've been talking about Inquiry Bins and we know that inquiries aren't linear and that they're graded on a step function... and after a certain point they no longer impact us as we've reached the maximum penalty (diminishing returns the more we have).
We've always given handwaving numbers, but starting this thread to try to get some data as to where the explicit breakpoints are on the theory that as a group we apply for enough stuff that we might be able to piece it together. We need the score, list of inquiries and type (I guess we could toss in bureau code as well), theoretical ones counting (making sometimes blase assumptions as to their being coded / scored correctly for auto loans in particular, which may make it tough so need to know what the inquiries are for).
We've also been making some assertions as to which inquiries count and which don't, my experience is non-deduped / grace period inquiries are counted but that may have changed in more recent models (FICO 8 and higher)
Example, recent Transunion FICO 8:
-4 points 6/3/16 after 30 day grace period expired on Credco, 716->712
5->6 scoreable inquiries; only "maybe" is RBFCU for a membership application which suggests there may be a bin change at either 5 or 6 scoreable inquiries.
5/3/16 Credco - Mortgage
8/23/15 Capital One - Credit Card
8/5/15 FIA Card Services - Credit Card
8/5/15 Randoph Brooks FCU - CU (scoring this as counting)
8/4/15 JCB - Credit Card
7/10/15 CBC/Innovis - Mortgage, w/in 45 days de-dupe
7/03/15 Chase Mortgage - Mortgage Dedupe
6/03/15 Settlement One - Mortgage
I'm confident in the de-dupe of the mortgage inquiries as they were de-duped correctly on Beacon 5.0. I'm going to go back through my data after finals finish but thought I'd see if others had similar data and maybe we can start making some sense of this.
EQ Full 1B scores:
6/1/16 -> 6/4/16, identical balances on everything, short time period, so here we go. The fun one here, is the FICO 04 (FICO 5, sigh) variants didn't move at all whereas FICO 8 did a little bit and FICO 9 more so... though this does emphatically debunk my FICO 9 recent inquiry theory.
List:
5/16/16 Kroll Factual Data - Mortgage grace period / dedupe
5/3/16 Credco, Mortgage - just came out of grace period and is now counting as of yesterday
8/23/15 Cap One - Credit Card
7/31/15 Penfed - LOC application, this should be scored by any rational measure.
7/10/15 CBC Innovis - Mortgage
7/3/15 Chase Mortgage - Mortgage
Transition 3->4 inquiries (and this somewhat makes sense that FICO 5 didn't move as I have prior solid data which I'll dig out from my mortgage process that 2->3 is a breakpoint).
| Score | 6/1/15 | 6/4/15 | Change |
| EQ FICO 8 | 714 | 713 | -1 |
| EQ FICO 5 | 693 | 693 | 0 |
| EQ FICO 8 AU | 729 | 721 | -8 |
| EQ FICO 5 AU | 690 | 690 | 0 |
| EQ FICO 8 BC | 719 | 718 | -1 |
| EQ FICO 5 BC | 711 | 711 | 0 |
| EQ FICO 9 | 786 | 775 | -11 |
| EQ FICO 9 AU | 789 | 779 | -10 |
| EQ FICO 9 BC | 777 | 767 | -10 |
Here's another VS3 data point re-enforcing the 2 year timeframe for inquiries for VantageScore. Gained 3 points when INQ reached 2 years and dropped off EQ. No score change with TU VS3 which had no inquiries to begin with.
I know you have some interest in VS so I thought I'd post this result.
