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Score Differences and INQs Question?

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PandaGirl77
Regular Contributor

Score Differences and INQs Question?

If someone can kindly look at my DPs and give their input, I seek clarification and knowledge.

 

Is it normal that my EQ score is quite a bit lower than the other 2? Especially with a lower # of INQs?

 

I am personally counting 6 mortgage INQs from time period October 26-November 17 as only one INQ, is that how they would be viewed by the 3Bs?  Otherwise my INQs would be   EQ 8/12  TU 13/12  EXP 13/12

 

EXP has two INQs from FNBO on 5/12.  Do you think I can get one removed and if so, how to go about that?

 

EXP also has a Citi INQ that was a mistaken cold app (denied) for Custom Cash that they just converted from a TYP anyway when I asked.  Am I stuck with that dumb mistake or can do anything about that?

 

Should I spend my time/energy to work on these items (if theres even anything I can do)?

 

THANK YOU!!









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2 REPLIES 2
PandaGirl77
Regular Contributor

Re: Score Differences and INQs Question?

EQ also reports that Citi INQ in addition to EXP if it makes a difference









Message 2 of 3
FireMedic1
Community Leader
Mega Contributor

Re: Score Differences and INQs Question?


@PandaGirl77 wrote:

If someone can kindly look at my DPs and give their input, I seek clarification and knowledge.

 

Is it normal that my EQ score is quite a bit lower than the other 2? Especially with a lower # of INQs? Yes. All 3 CRA's have different algorithms.

 

I am personally counting 6 mortgage INQs from time period October 26-November 17 as only one INQ, is that how they would be viewed by the 3Bs?  Yes in most cases. Otherwise my INQs would be   EQ 8/12  TU 13/12  EXP 13/12

 

EXP has two INQs from FNBO on 5/12.  Do you think I can get one removed and if so, how to go about that? Unless its fraud. No.

 

EXP also has a Citi INQ that was a mistaken cold app (denied) for Custom Cash that they just converted from a TYP anyway when I asked.  Am I stuck with that dumb mistake or can do anything about that? No. You still got a card.

 

Should I spend my time/energy to work on these items (if theres even anything I can do)?

 

THANK YOU!!


Part of getting credit. Inq's arent the deal breaker when it comes to score dings. The new accounts ding more than any inq would. They'll fall of FICO in a year.


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