MY final Inquiry becomesa year old Sept 13

[Anonymous]

Any predictions as to what that might do to my EQ or TU FICO?  Ao today my EQ is at 813 where it has been for a long time.  My TU bounces up and down usually between 770 and 789.   It was at 788 earlier in the week but somehow fell to 769 today.

I know the question is unfair but I thought it might be amusing to guess.

[Anonymous]

Um don't know how you get such up to date accuracy on the TU.  Last time I checkec TU didn't offer a scorewatch.

[haulingthescoreup]

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@Anonymous wrote:

Any predictions as to what that might do to my EQ or TU FICO?  Ao today my EQ is at 813 where it has been for a long time.  My TU bounces up and down usually between 770 and 789.   It was at 788 earlier in the week but somehow fell to 769 today.

I know the question is unfair but I thought it might be amusing to guess.

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I'd say a couple of points, max. Inquiries are way overrated in terms of the damage that they do to scores, in most cases.

If you had a new account that resulted from the inquiry, you might get a few more points.

The wild card is that you have high scores. If you have no negatives, such as lates, and the inqs were your only negatives, you might get a bigger bump.

[Anonymous]

I get "Data accuracy" by checking it periodically.

[Anonymous]

FWIW I inttend to check later today and will report back.  I do not nortmally check anywhere near this often but I was curious about the effect of the inquiry.  I also just can't figure out the transunion pattern.  I doubt that today's pull will help with that  but my curiosity is piqued.

[llecs]

IMO, 0 points, though I will be optimistic in saying that based on your high FICO scores, anything can happen. I just glanced over this thread, but is there a TL reporting associated with that inquiry? If so, I bet you'd score some points if that hits a year old.

[Anonymous]

Thee isa HELOC associated with the inquiry.  Not sure how this would work.  The inquiry occurred on Sept 13 but the account became active more than a month later.

[llecs]

If you haven't received an unexplained bump in score by now, then I would guess you'd see one by next month. Likely, you'd see it on 10/1.

As Hauling mentioned, inquiry damage is overrated. But new accounts turning a year old when all others are older is a big deal, IMO.

The difference in time could have been due to underwriting delays between the pull and the account opening.

[Anonymous]

Well it seems safe to conclude I got no boost today.  I will look again just after the anniversary date of the account.

[Anonymous]

Not t hat you have all been on the edge of your seats on this one but while waiting for the anniversary date to roill around I was hit by a large home repair bill.   The ipshot is that any boost I would have received got lost in the decrease caused by that bill.  

Perhaps in another month or so when that bill is paid and reported I will see what the story is.   It just would have been nice to report back on how that one event affected things.