One 850 down, two to go.

[Anonymous]

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@Thomas_Thumb

It is interesting an above poster mentions 7|3|3|7 for point gains when inquiries dropped off. That's hard to explain unless some HPs had a new account tied to them while others are pure play HP only. I suppose there could be differences in assigned impact based on binning but, that's much harder to rationalize.

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Assuming an inquiry wasn't taken on the 1st of any given month, it's relatively easy to isolate the inquiry impact from the new account (if there was one) as the new account grows 1 month of age on the 1st of each month, where an inquiry doesn't.

For example, someone takes a new inquiry and opens a new account on January 15th.  The following year the age of that account reaches 12 months on January 1st, where the inquiry doesn't reach 1 year and become unscoreable until the 15th.  This gives someone the opportunity to grab their scores at any point from the 1st-14th to see the impact of the account reaching 12 months while the inquiry is still impacting score in order to isolate the two events.

[Anonymous]

I was using Experian Credit Works with daily 3AM report and score update to monitor the experiment, I can assure you the inquiries were isolated, I can also assure you that there were no scoring changes when any of the 6 accounts (2 more to go) reached 1 one year mark, I do expect a decent bump when the last one graduates in September (AoYA). BTW the scoring bump sequence was 3-7-7-3, I was actually expecting a bigger bump than 3 when the forth came off to be honest.

[Anonymous]

Good to know that you isolated the events.  I think many of the well-versed members of this forum understand how to isolate the two events, but I do question those random threads where someone simply posts that an inquiry removed gain them X points when they make no mention at all of AoYA or the possible account associated with the inquiry.

[Anonymous]

I might as well share the first half of my experiment as well, which I have posted and shared with GCID in one of the AZEO threads in March just few weeks before the 1st inquiry came off. After my score settled at 781 last year I started to experiment with AZEO, I started at 5 out of 8 accounts reporting and worked my way in one account less at a time towards AZEO (yes I was bored), all the while keeping aggregate UTI under 1%, and individual UTI of no more 3% at all times. Disappointingly, other than losing 16 points for a few weeks due to an accidental All Zero (thank you Chase), no score changes all the way to AZEO, I think I got a 3 point bump on TU for AZEO. I then started backing out one account at a time but ran out of time at 3 accounts reporting (still no changes) at end of Feb due to the inquiries coming off in March, I have kept it at 3 accounts reporting since in order to isolate the inquiries.

Once my last inquiry falls off on June 4th, I'm going to start practicing what I preach, let everything report to statement and let autopay do its job, I did promise GCID to provide a final DP of going from all accounts reporting (8) to AZEO so I will do another AZEO after I get my scoring bump from AoYA reaching 1 year in September.

[Anonymous]

Ok looks like no one wants to touch my AZEO DP with a ten footer lol, back to inquiries. My TU was sitting @ 806 with no inquiries within 12 months (2 total), I took an HP 2 weeks ago for opening a rewards checking account, about to take another in a few days for a money market account. Subscribed to a new CCT 7 day trial just now to attempt to captured the effects of both inquiries individually with the 2nd CCT update, surprisingly my TU is still 806 with the additional inquiry reported, was expecting a 5 point drop. I will post back when I refresh CCT next week with the 2nd inquiry reporting.

[Thomas_Thumb]

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@Anonymous wrote:

I might as well share the first half of my experiment as well, which I have posted and shared with GCID in one of the AZEO threads in March just few weeks before the 1st inquiry came off. After my score settled at 781 last year I started to experiment with AZEO, I started at 5 out of 8 accounts reporting and worked my way in one account less at a time towards AZEO (yes I was bored), all the while keeping aggregate UTI under 1%, and individual UTI of no more 3% at all times. Disappointingly, other than losing 16 points for a few weeks due to an accidental All Zero (thank you Chase), no score changes all the way to AZEO, I think I got a 3 point bump on TU for AZEO. I then started backing out one account at a time but ran out of time at 3 accounts reporting (still no changes) at end of Feb due to the inquiries coming off in March, I have kept it at 3 accounts reporting since in order to isolate the inquiries.

Once my last inquiry falls off on June 4th, I'm going to start practicing what I preach, let everything report to statement and let autopay do its job, I did promise GCID to provide a final DP of going from all accounts reporting (8) to AZEO so I will do another AZEO after I get my scoring bump from AoYA reaching 1 year in September.

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Do you have access to Bankcard Fico 8 scores? If so, it would be interesting to see how that version of Fico 8 reacts to changes in # cards reporting and to inquiries. BTW - how many accounts do you have reporting balances outside of revolving credit cards?

[Anonymous]

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@AnonymousOk looks like no one wants to touch my AZEO DP with a ten footer lol, back to inquiries. My TU was sitting @ 806 with no inquiries within 12 months (2 total), I took an HP 2 weeks ago for opening a rewards checking account, about to take another in a few days for a money market account. Subscribed to a new CCT 7 day trial just now to attempt to captured the effects of both inquiries individually with the 2nd CCT update, surprisingly my TU is still 806 with the additional inquiry reported, was expecting a 5 point drop. I will post back when I refresh CCT next week with the 2nd inquiry reporting.

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So you went from 0 --> 1 scoreable inquiry on TU and saw no score drop, is that correct?  If so, it would suggest that 0-1 inquiry are "binned" together.  Possibly 2-3 are binned together as well, so perhaps you'll see a score drop with this next one you are planning, but if you were to add another after that possibly you wouldn't see a score drop.  I know TT knows more about inquiry binning.

[Anonymous]

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@Thomas_Thumb wrote:

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@Anonymous wrote:

I might as well share the first half of my experiment as well, which I have posted and shared with GCID in one of the AZEO threads in March just few weeks before the 1st inquiry came off. After my score settled at 781 last year I started to experiment with AZEO, I started at 5 out of 8 accounts reporting and worked my way in one account less at a time towards AZEO (yes I was bored), all the while keeping aggregate UTI under 1%, and individual UTI of no more 3% at all times. Disappointingly, other than losing 16 points for a few weeks due to an accidental All Zero (thank you Chase), no score changes all the way to AZEO, I think I got a 3 point bump on TU for AZEO. I then started backing out one account at a time but ran out of time at 3 accounts reporting (still no changes) at end of Feb due to the inquiries coming off in March, I have kept it at 3 accounts reporting since in order to isolate the inquiries.

Once my last inquiry falls off on June 4th, I'm going to start practicing what I preach, let everything report to statement and let autopay do its job, I did promise GCID to provide a final DP of going from all accounts reporting (8) to AZEO so I will do another AZEO after I get my scoring bump from AoYA reaching 1 year in September.

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Do you have access to Bankcard Fico 8 scores? If so, it would be interesting to see how that version of Fico 8 reacts to changes in # cards reporting and to inquiries. BTW - how many accounts do you have reporting balances outside of revolving credit cards?

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I only have access to Bankcard 8 through Citi Costco which updates monthly so it's hard to isolate anything, plus I didn't think it was important at the time so I paid very little attention to it through out the process, sorry. I only have an almost 15 year old mortgage reporting other than revolvers.

[Anonymous]

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@Anonymous wrote:

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@Anonymous@Anonymous looks like no one wants to touch my AZEO DP with a ten footer lol, back to inquiries. My TU was sitting @ 806 with no inquiries within 12 months (2 total), I took an HP 2 weeks ago for opening a rewards checking account, about to take another in a few days for a money market account. Subscribed to a new CCT 7 day trial just now to attempt to captured the effects of both inquiries individually with the 2nd CCT update, surprisingly my TU is still 806 with the additional inquiry reported, was expecting a 5 point drop. I will post back when I refresh CCT next week with the 2nd inquiry reporting.

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So you went from 0 --> 1 scoreable inquiry on TU and saw no score drop, is that correct?  If so, it would suggest that 0-1 inquiry are "binned" together.  Possibly 2-3 are binned together as well, so perhaps you'll see a score drop with this next one you are planning, but if you were to add another after that possibly you wouldn't see a score drop.  I know TT knows more about inquiry binning.

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Affirmative. My TU was at 803 (2 inquiries) while my EX was stuck at 781, it gained 3 points when the first inq came off and 0 points when the last hit one year. If I get 0 points on Experian on June 4th when its last inquiry falls off, it would mirror what happened on TU and lend credence to this "binning" thingy. That said, I'm pretty sure I lost points when the first inquiry hit on both CRAs at the beginning of the journey...pretty pretty sure.

[Anonymous]

Interesting.  You'd think if you lost points going from 0 --> 1 the first time that you would the second time.  I wonder if bucketing can possibly impact this and if so, if there's a chance you were in a different bucket?