AKA: The Hunt for the Hard Inquiry Sin Bins!
The purpose of this thread is to track people's score shifts due to inquiries to try to figure out inquiry binning and other things... if you have a new inquiry or an inquiry aging past a year and a score shift as a result, post away... if you have reason codes as well we'll take those too! 
This top post will be for aggregate findings. If people find old links to datapoints I will also link them (or merge them, go go moderator status!) and we'll try to sort this out.
Posting datapoints: ideally your file is as close to fixed as possible (no meaningful balance changes) and it would be absolutely helpful to try to estimate what scorecard you're on. To that end, besides the bureau, original inquiry count and final inquiry count and score (specific versions or source please) it would be handy to know:
1) Tax liens / collections / BK's / judgements
2) Lates / charge-offs
3) AAOA
4) Age of Oldest Account
Findings: TBD
Notes: Will be a work in progress for formatting; suggestions, let me know .
Reserved just in case
Data links:
Revelate - EQ 3->2>1; score changes on all models and industry options for both decrements
Revelate - TU 1->0; score change only on FICO 04 baseline and industry options
Revelate - EX 4->3; score change all models and industry options
Revelate - EX 0->1; only caught EX FICO 2 and EX FICO 3, movement on both. Rest lost in the installment utilization fiesta.
Revelate - EQ 2->3 and 3->2; EQ FICO 5 only, breakpoint and no inquiry aging factor for FICO 04.
Subexistence - EX 1->2 (maybe 2->3), FICO 8?
Question: is this better organized by FICO model or bureau? Don't think we need to break it out to industry option unless we find some movement on some but not others which I haven't seen in my data so far.
MF Equifax 1B reports
1) Tax lien 2010
2) No lates
3) 3 years 4 months AAOA
4) 9 years 1 month AOOA
| Date | 5/19/17 | 6/23/17 | 6/25/17 |
| # Inquiries | 3 | 2 | 1 |
| EQ FICO 8 | 728 | 729 | 735 |
| EQ FICO 8 AU | 726 | 733 | 739 |
| EQ FICO 8 BC | 734 | 743 | 749 |
| EQ FICO 5 | 688 | 695 | 698 |
| EQ FICO 5 AU | 677 | 682 | 685 |
| EQ FICO 5 BC | 706 | 712 | 715 |
| EQ FICO 9 | 776 | 789 | 790 |
| EQ FICO 9 AU | 774 | 785 | 786 |
| EQ FICO 9 BC | 772 | 787 | 788 |
Reason code: You've recently been looking for credit (MF translation)
Relative position, it's interesting on a fixed file. Blank = that reason code isn't on the list, N/A = MF doesn't give full reason codes for FICO 8 base so it's impossible for me to tell.
| Date | 5/19/17 | 6/23/17 | 6/25/17 |
| # Inquiries | 3 | 2 | 1 |
| EQ FICO 8 | N/A | N/A | N/A |
| EQ FICO 8 AU | 3 | ||
| EQ FICO 8 BC | 4 | ||
| EQ FICO 5 | 3 | 4 | 4 |
| EQ FICO 5 AU | 3 | ||
| EQ FICO 5 BC | 4 | ||
| EQ FICO 9 | 4 | 4 | 4 |
| EQ FICO 9 AU | 4 | ||
| EQ FICO 9 BC | 4 | 4 | 4 |
Transunion 1->0 inquiries; MF 1B report
1) Tax lien 2010
2) 30D late 10/15
3) 3 years 1 month AAOA
4) 9 years AOOA
FICO 04 reason code dropped off completely, was #4
| Score | 5/2/17 | 5/4/17 | Delta |
| TU FICO 8 | 731 | 731 | 0 |
| TU FICO 4 | 739 | 741 | 2 |
| TU FICO 9 | 764 | 764 | 0 |
| TU FICO 8 AU | 744 | 744 | 0 |
| TU FICO 4 AU | 748 | 750 | 2 |
| TU FICO 9 AU | 764 | 764 | 0 |
| TU FICO 8 BC | 747 | 747 | 0 |
| TU FICO 4 BC | 730 | 731 | 1 |
| TU FICO 9 BC | 753 | 753 | 0 |
Experian MF 1B report
1) Tax lien 2010
2) No lates
3) 3 years 4 months AAOA
4) 9 years 1 month AOOA
Change across all models, 4->3 inquiries
| Date | 5/6/17 | 6/25/17 |
| # Inquiries | 4 | 3 |
| EX FICO 8 | 737 | 739 |
| EX FICO 8 AU | 745 | 753 |
| EX FICO 8 BC | 755 | 757 |
| EX FICO 3 | 688 | 693 |
| EX FICO 2 | 703 | 712 |
| EX FICO 2 AU | 679 | 686 |
| EX FICO 2 BC | 705 | 712 |
| EX FICO 9 | 771 | 775 |
| EX FICO 9 AU | 773 | 777 |
| EX FICO 9 BC | 770 | 776 |
Relative reason code positions for "You've recently been looking for credit", some changes in Bankcard industry options. Blank is it doesn't show up on on the reason codes, N/A is ain't got reason codes.
| Date | 5/6/17 | 6/25/17 |
| # Inquiries | 4 | 3 |
| EX FICO 8 | N/A | N/A |
| EX FICO 8 AU | 3 | 3 |
| EX FICO 8 BC | 3 | 4 |
| EX FICO 3 | 2 | 2 |
| EX FICO 2 | 3 | 3 |
| EX FICO 2 AU | ||
| EX FICO 2 BC | 4 | |
| EX FICO 9 | 3 | 3 |
| EX FICO 9 AU | 3 | 3 |
| EX FICO 9 BC | 3 | 3 |
Copying in an old EX FICO 2 datapoint from my mortgage process a few years back; this was a mortgage inquiry that had just ticked over the grace period. I don't have other scores.
Dirty file, 0 inquiries -> 1 inquiry.
EX FICO 2 728 -> 722.
EX FICO 3 697 -> 687
Mortgage pulls and former 3B pulls for data points. Same trivially low balance on one single revolving card, no AAOA change.
Original Source: http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/EX-98-FICO-Risk-Model-v2-inquiry-data-poi...
Another Source: http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Installment-tradeline-utilization-thread/...
More copy, EQ FICO 5 from mortgage process:
2->3 inquiries 700->693
3->2 inquiries 693->700
This repeated again as I had inquiries near a year old that were aging out while I was going through the mortgage process. AAOA two years at the time, tax lien / lates.
Original source: http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/Installment-tradeline-utilization-thread/...
My ex dropped from 732 to 724 when I got Amex inquiry for my BCE, I had 3 accounts all 5 months old at the time. 1 of the accounts was closed. At that time I had just 1 6 month old inquiry from CO.
My EX didn't change when I got BOA inquiry so it stayed at 719. I think the inquiry did have a negative impact but it was perfectly cancelled out by accounts aging. At that time I had 4 accounts at the time. The new account was SSL at 1 month old. The other 3 were 6 months old. AAoA was 5 months. At the time I had 2 prior inquiries from Amex and CO.
Starting Score: Ex08-732,Eq08-713,Tu08-717
@Subexistence wrote:My ex dropped from 732 to 724 when I got Amex inquiry for my BCE, I had 3 accounts all 5 months old at the time. 1 of the accounts was closed. At that time I had just 1 6 month old inquiry from CO.
My EX didn't change when I got BOA inquiry so it stayed at 719. I think the inquiry did have a negative impact but it was perfectly cancelled out by accounts aging. At that time I had 4 accounts at the time. The new account was SSL at 1 month old. The other 3 were 6 months old. AAoA was 5 months. At the time I had 2 prior inquiries from Amex and CO.
FICO 8 from Experian or similar? Hmmm on that second point though I will admit for short files testing is really hard as there are a lot of changes that happen... my own score graph from back in the day had a bunch of jumps likely somehow related to accounts (since inquiry aging has been pretty throughly debunked on both FICO 04 and 8 now).
Guess that brings up the question, how long before the first inquiry was your last update? First point seems legit to add, I'm skeptical of adding the second one though based on your assertion heh.
Thanks for the post!