Inquiry categories and binning

[Anonymous]

I don't believe I did. Here's the CK screenshot:

The THD/CBNA pulls were CLI tries from Citi on my Home Depot card (that was a battle I won't fight again). Disco pull was for my second card. CBMA in May was taking a stab at a Citi DC card. CapOne was for the car via Auto Navigator, and PenFed was for the PCR card. 

[Anonymous]

@Anonymous Can you tell me the point loss for each under 12 months, if any, or if buffered 30 days?

[Anonymous]

Yes. I'm at work right now getting settled in. I'll pull my notes and compare my score change chart with the inquiry dates and give you the changes for each pull in just a bit.

[Anonymous]

@Anonymous , see below. I have charts showing dates of score changes per bureau, along with the new score showing that day. The point losses/gains at each inquiry date are as follows, newest to oldest per the screenshot above. All point/score references are for EQ FICO8:

9/19/2020: -4

5/27/2020: 0

5/7/2020: -2

5/4/2020: +10 (this was during my big UTI paydown and I had two cards report right around this date, dropping individual usage from 80+% to zero); likely my point gain was higher than that, and the inquiry cost me a few of those points, with a net +10 when the dust settled

10/26/2019: no data unfortunately - I did not have a MF subscription at the time

As noted above, for 5/4/2020 there were large balance reductions happening at the same time so that DP can't be considered - I'm unable to break out score change due to balances separately from score change due to the inquiry. For all others, no balance changes happened on those days.

[Anonymous]

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@Anonymous wrote:

@Anonymous , see below. I have charts showing dates of score changes per bureau, along with the new score showing that day. The point losses/gains at each inquiry date are as follows, newest to oldest per the screenshot above. All point/score references are for EQ FICO8:

9/19/2020: -4

5/27/2020: 0

5/7/2020: -2

5/4/2020: +10 (this was during my big UTI paydown and I had two cards report right around this date, dropping individual usage from 80+% to zero); likely my point gain was higher than that, and the inquiry cost me a few of those points, with a net +10 when the dust settled

10/26/2019: no data unfortunately - I did not have a MF subscription at the time

As noted above, for 5/4/2020 there were large balance reductions happening at the same time so that DP can't be considered - I'm unable to break out score change due to balances separately from score change due to the inquiry. For all others, no balance changes happened on those days.

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@Anonymous totally awesome thank you for the wonderful data points! very much appreciated brother!

[Anonymous]

Anytime my friend. I'll go over TU and EX also since I have loan inquiries on those bureaus as well, and dated score change charts for them too. Won't be relevant to PenFed but it's still loan-inquiry-point DPs. I'll put those together too and post them just to add to the available info.

[AndySoCal]

Below is link to apartment inquiries

https://www.bankrate.com/finance/credit-cards/does-rental-application-hurt-credit-score/