Too Many Inquiries last 12 months code?

[AzCreditGuy]

I requested a CLI on my Bank of America CC and was granted one, I recieved a letter in the mail, that my score was 806 and I had a new code that I had not seen before. Too Many Inquiries last 12 months? I have 1 inq from 06/30/23, that is in the process of being removed. 

I could see this code at 3 or more Inq, but come on, 1? I believe this is based on Fico 8

[JoeRockhead]

I believe they have to code, or list something in the negative column that impacted their decision. If that's all they could come up with, then good on you.

Congratulations on a great score, and your CLI 

[Thomas_Thumb]

---

@AzCreditGuy wrote:

I requested a CLI on my Bank of America CC and was granted one, I recieved a letter in the mail, that my score was 806 and I had a new code that I had not seen before. Too Many Inquiries last 12 months? I have 1 inq from 06/30/23, that is in the process of being removed. 

I could see this code at 3 or more Inq, but come on, 1? I believe this is based on Fico 8

---

Yes, that code is triggered at 1 inquiry. I never had more than 1 inq at a time for a given CRA. Whenever I had an inq under 12 months age, that statement would pop up - usually listed 2nd. The statement only dropped off at 12 months inq age.

Everyone with one or more inq under 12 months has that as a negative. However, it is usually too far down in the rankings on impact to be displayed. Once scores reach 800 and above it is more likely to be listed because higher impact negatives have been dealt with.

[FalconSteve]

I once saw that code with zero hard pulls, riddle me that

[AzCreditGuy]

---

@FalconSteve wrote:

I once saw that code with zero hard pulls, riddle me that

---

I doubt that unless you have a photo?

[AzCreditGuy]

Well here's an update B of A has agreed to remove this hard pull as it was pulled by mistake and should have been a soft pull, this will be interesting to see how my score reacts by regaining the pts lost...3 to 5pts ....

[FalconSteve]

---

@AzCreditGuy wrote:

Well here's an update B of A has agreed to remove this hard pull as it was pulled by mistake and should have been a soft pull, this will be interesting to see how my score reacts by regaining the pts lost...3 to 5pts ....

---

Congrats on the removal! I'm wondering if I can get Chase to remove their inquiry for verifying my identify. Then again, I don't want to rock to Chase boat, they get so weird sometimes