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Score Increase when Inquiry ages to a year?

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Revelate
Moderator Emeritus

Re: Score Increase when Inquiry ages to a year?

Birdman: also -7 on EX FICO 2 apparently for the inquiry, definitely need to start collecting data points again .



        
Message 31 of 38
Anonymous
Not applicable

Re: Score Increase when Inquiry ages to a year?

@Revelate What was your before and after count? Yeliaba1 was +6, so that's very close.
Message 32 of 38
Revelate
Moderator Emeritus

Re: Score Increase when Inquiry ages to a year?

4 to 5 inquiries on Experian assuming they all count which I believe they do. Will see for sure in half a year when my CU inquires pass a year.



        
Message 33 of 38
Anonymous
Not applicable

Re: Score Increase when Inquiry ages to a year?

I also have 4 different inquiries that will all age to a year in about a month and a half.  I will monitor them as they each hit a year and update you all on what happens Smiley Happy They include 2 CC inquiries, 1 auto inquiry that for some reason is listed as a CC inquiry, and 6 auto inquiries (de-duplicated, equal to 1). 

Message 34 of 38
Anonymous
Not applicable

Re: Score Increase when Inquiry ages to a year?


@Anonymous wrote:

I also have 4 different inquiries that will all age to a year in about a month and a half.  I will monitor them as they each hit a year and update you all on what happens Smiley Happy They include 2 CC inquiries, 1 auto inquiry that for some reason is listed as a CC inquiry, and 6 auto inquiries (de-duplicated, equal to 1). 


Will this be taking you from 4 scoreable inquiries down to 0, or do you have greater than 4 scoreable inquiries present currently?

Message 35 of 38
Anonymous
Not applicable

Re: Score Increase when Inquiry ages to a year?


@Anonymous wrote:

@Anonymous wrote:

I also have 4 different inquiries that will all age to a year in about a month and a half.  I will monitor them as they each hit a year and update you all on what happens Smiley Happy They include 2 CC inquiries, 1 auto inquiry that for some reason is listed as a CC inquiry, and 6 auto inquiries (de-duplicated, equal to 1). 


Will this be taking you from 4 scoreable inquiries down to 0, or do you have greater than 4 scoreable inquiries present currently?


This would take me down to zero scoreable inquiries, but not all on the same day. This would occur over the course of two weeks or so. Th EX website says 4 inquiries in 12 months, and that's lumping all of the Auto inquiries together - otherwise it would be 11. Either way they are all aging to a year by June 2nd.

Message 36 of 38
Anonymous
Not applicable

Re: Score Increase when Inquiry ages to a year?

Gotcha.  Back a year ago when you took on the inquiries, at that time did you take note of the scoring impacts of them being added?  If so you could predict what your score gains will be with pretty strong accuracy when they become unscoreable in the near future.

Message 37 of 38
Anonymous
Not applicable

Re: Score Increase when Inquiry ages to a year?

Unfortunately, no... back then I wasn’t really watching my credit, so I have no idea what changes there were. But I guess I’ll find out when they age to a year, haha

Message 38 of 38
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