Inquiries deleted=10pts increase

[Aspireto850]

Hi All,

Called Experian and ask for early deletion of 3 credit inquiries scheduled to fall off in 3 weeks. In less than 24 hours they were removed and I got an alert this morning my score went up 10 points.

Didn't expect that increase; thought it would be more like 2-3 points but I'll take it.

[Remedios]

2 year old inquiries would not cause scoring change. 

If that was the case, my score would have been 9999999 in September 

It's beginning of the month, most likely aging related and even EX alerts lag by a day or two 

Now, if that was VS, different story 

Fico is terribly unimpressed by two year old inquiries 

[Credit_Flavours]

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@Remedios wrote:

2 year old inquiries would not cause scoring change. 

If that was the case, my score would have been 9999999 in September 

It's beginning of the month, most likely aging related and even EX alerts lag by a day or two 

Now, if that was VS, different story 

Fico is terribly unimpressed by two year old inquiries 

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+1  Had 4 inquiries taken off my EX overnight after i called in yesterday and it resulted in exactly zero increase. So as observed above, OP probably got a bump due to other factors. However, 10pts is 10pts irrespective of the trigger. So kudos OP.

[Anonymous]

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@Aspireto850 wrote:

Called Experian and ask for early deletion of 3 credit inquiries scheduled to fall off in 3 weeks. In less than 24 hours they were removed and I got an alert this morning my score went up 10 points.

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The early removal of the inquiries didn't result in your score increase, as those inquiries became unscoreable at 365 days of age.  Whatever score increase you would have received from them would have happened ~49 weeks ago.  Your score increasing 10 points was due to something else.

[Aspireto850]

Absolutely nothing changed in my file so must have been aging. As one of the posters wrote, regardless of change a nice surprise!

[Anonymous]

For sure.

Do you know what your 3 age of accounts factors were on Sept 30 and if any of them moved to a notable threshold on Oct 1?

[Lucifer]

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@Anonymous wrote:

For sure.

Do you know what your 3 age of accounts factors were on Sept 30 and if any of them moved to a notable threshold on Oct 1?

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Good question - would love to hear the answer.

[Aspireto850]

@BrutalBodyShots,

Happy to answer but I do not know what you mean by ‘3 age of accounts factors’. Can you elaborate?

Also do you have a listing of thresholds? I only have it for utilization.

Thanks

[AllZero]

AAoA Average Age of Accounts
AoYA Age of Youngest Account
AoOA Age of Oldest Account

[Aspireto850]

@AllZero,

Thanks I was only familiar with AAoA:

Here’s goes:

AAoA: 10.2
AoYA: 8 mos
AoOA: 21.8

What are the notable thresholds for these?