Need help understanding my bump in FICO

[Anonymous]

On 6/28/20 my FICO EXP 08 was 625. Today my FICO EXP 08 is 640. Only the changes below happened to my CR. I was surprised to see such a big bump in a week. What likely caused the 15 point bump?

On 6/30/2020 1 installment loan was updated to the credit bureaus, that loan individual debt ratio went from 94% to 84%. My total installment debt ratio went from 102% to 99%.

CR on 6/28/20 shows 2 separate hard inquiries from 6/11/2018. Experian report says "scheduled to continue on record until Jul 2020". I don't know if this means if the inquiries fall off in August 2020 or July 2020.

10 shotgun auto loan hard inquiries on 6/10/2019. Don't you get hard inquiry points back after 365 days? So shouldn't I received all the points back as part of my 625 FICO on 6/28/20?

[ChemE_Bear]

Do you only have the score and not the CR for the increased score of 640?  I would guess that bringing your installment debt below 100% is at least partially a factor, but without seeing whether your inquiries are still on there its impossible to tell whether that may also have had an impact. FWIW, a FAKO vantage score like CreditKarma would at least tell you what inquiries were still on TU and EQ.

[Anonymous]

Has to be bringing aggregate installment utilization under 100%. The INQs from 18 became unscoreable in 19 and the auto loans didn’t fall on the right day.... unless there were other changes. 

edit for clarification: yes the car loan inquiries would already have given the points back at 365 days. And inquiries remain on your report for two years sometimes 25 months before removed, but they're only scoreable for 365 days so that's what it meant by being removed in July.