@Anonymous wrote:
@SouthJamaica wrote:I wonder if it's really so easy to separate out the impact of an inquiry, since they are usually accompanied by other things, such as new accounts.
I think it's extremely easy and cut and dry if it's executed properly. Someone pulls their score before the inquiry, then pulls it immediately after, but without crossing the 1st of the month. This of course would happen before the new account(s) associated with the inquiry land on the CR. Say X points are lost. 364 and 365 days later the same thing can be done, again assuming the 1st of the month isn't crossed. After 364 days, no points have come back and after 365 days X points are gained. This with 100% certainty verifies that the points come back in 1 shot, not gradually over those 365 days.
Was even easier than that for me.
I went through a mortgage process with two iterations and I had two inquiries hanging out on EQ from before, so I saw my score yo yo from when first inquiry faded, to mortgage inquiry came out of grace period, and then second inquiry went past a year, and then I took another mortgage hit (no dedupe) on the second loan app.
Exact same score changes, also concretely proved that AOYA is not a factor on negative scorecards at the same time heh.
