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I also added my 5th inquiry with the US Airways card and no score change with the inquiry but I am curious with the cut in AAoA what the drop will be with the new account reporting. It will soon be visible from Discover TU 😊. So far I have not managed to move this score in any direction of more than 5 points in the past two years since I have added most of my accounts ...so it would be a surprise if this time it would move and react any differently. I am ready for a surprise.
@racer-x wrote:Well if I'm in a bucket that doesn't drop my score from new inquiries, then I'd like to stay in it. Could you let mr fico know? Thanx,
I think that what happens is, as one piles on "more of the same" of one type of issue, such as INQ, the first one hits pretty hard, then the next one not so much, und so weiter, so you are probably at a plateau of the impact from INQ. But I wouldn't take that to the bank, because it may be that CCC looking at the file may see a lot of INQ on a manual review.
Notice I changed the metaphor from a bucket or hole to a plateau. Have to try to keep things fresh around here, can't get stale. This would be a plateau on a steep cliff, rather than an elevated space...