Perfect 850 score question

[manyquestions]

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@Anonymous wrote:
Any inquiries in the last year or new accounts in the last year?

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One new inquiry and one new account within last 12 months.  

There have been posters who have reported 850 scores with multiple new inquiries and new accounts under 12 months.  I remember one poster started his own thread about his thoughts on new inquiries and new accounts being grouped together and counted as one because he did a little app-o-rama and his scores still stayed at 850 after everything reported.

Edit: This is the thread I was thinking of. Scroll to the last post in thread.  (As of today, I  have an EQ FICO 8 score of 850 with 11 inquiries in the last 2 months.)

[Thomas_Thumb]

FWIW - My understanding is all hard inquiries (even those for CCs) are subject to a 30 buffer before influencing score Some believe that credit card inquiries are De-duped as a category same as Mortgage and Auto - each being its own discrete category. Thus, the potential benefit of a spree with regard to impact of inquiries.  Of course, all new accounts are counted individually.

[iv]

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@manyquestions wrote:
 

There have been posters who have reported 850 scores with multiple new inquiries and new accounts under 12 months.  

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Yep.  Turns out to be pretty easy. (Assuming you're starting with a strong/aged file.)

Two new accounts (auto loans, one from May, one from July), and 1 inquiry each on EQ/EX still results in FICO8 850s here.  The same two new accounts, but with 4 inquiries on TU, does drop down into the 830s/840s.

(This is without any attempt to "optimize" utilization at all... depending on reporting dates, EQ has sometimes dropped slightly under 850, but EX has stayed "pinned".  It's possible that micro-management there could even pull TU up to 850... but meh. Doesn't really matter.)

Of course, that's just for FICO8.  For the mortgage scores (which matter more to me, in general), the new accounts and inquires did drop EQ5/TU4/EX2 from close to each scale's max down to the 780s/790s.  Still "high enough"... but lower than I'd prefer.