It doesn't work that way: inquiries are completely minor compared to the BK (or my tax liens, unfortunately).
Also inquiries aren't scored linearly: your first inquiry counts far more than the last; actually from people's testing first inquiry is a drop, second isn't, third is a smaller drop, 4th/5th aren't a drop, etc: dimishing returns for damage, and someone mentioned (ilecs I believe) that somewhere over 12 they stopped taking any damage for inquiries at all.
To add insult to injury, if the auto shopping inquiries are coded correctly you only have on the order of 12 inquiries total anyway from a scoring perspective.
I probably won't get above a 720 (maybe 730 on a FICO '08 score) until my tax liens vanish, and I was pushing 720 on both EX and TU '08 prior to taking a stupid penalty which'll come off shortly at least. Your BK like my tax liens will put a cap on our scoring capabilities for nearly as long as they're on our credit reports.
Also in a general sense while they may make up a fraction of the score, the score is generated by sorting you into a bucket (of similar credit profiles) and then calculating your score based on that, so 15% in your example doesn't equiate to 82.5 points. I lost something like 30 points in taking a slew of inquiries, that's presumably how much I roughly gained with my own mixed file, which napkin math would roughly calculate to a 200 point range (sloppy math, 30 / .15 on the assumption that I hit the cap number of inquiries compared to my bucket population) and based on my own observations my bucket might well correspond to roughly 500-700 on EQ Beacon 5.0 at least. Probably is a much more complicated calculation but as a simplified example, it sort of works in my opinion.
@mlibby wrote:So what is the max you can get with a Bankruptcy score wise?
I'd guess it's similar to my tax liens, on the order of 720, maybe 730 at the outside on some scoring models at sufficient age.
@mlibby wrote:oh ok have you tried to dispute your tax liens? i was able to get mine all removed
Nah, the State of California one is a bugaboo. My old IRS lien is now obsolete and I'm just waiting to fall off since the target date is in May anyway, and the recent one was a snafu which'll get airstruck by the Fresh Start guidelines (lien filed in error technically, already paid when they filed by a non-trivial amount of time).
Going to try a goodwill letter to Cali, maybe I get lucky but there's no other way to get it off there and it's a legitimate lien so disputing is out of the question; I just wish they would've told me first, I would've paid it immediately had I known, hence the basis of my GW hopes.