Why are inquiries making my score go up?

[raydmercer2345]

Hello All!

Just wondering why my score goes up after a new inquiry is posted. The last three inquires have made my score go up 4-7 points each. Im not complaing, but kinda confused by it. Any info is greatly appreciated! Thanks!

[Anonymous]

Almost certainly it is not the actual inquiry making the score go up. There are limited numbers of things that trigger a score change. For example if you consistently pay before the statement close day, the oks on your report arent being factored in. A creditor reporting ok with no balance change doesn't trigger fico to update score here. So lets say you either had a 0 balance for a month on 4 of your cards or paid before statement day...those 4 new oks arent being scored until something causes the update. Whether thats a balance change, inquiry, new account, whatever. The inquiry causes the update, but the new unupdated info gets built into that score change.

If the score went up 5 points on an inquiry, you were prob up 8 points before it and minus 3 for the inquiry = Fico score +5 for new inquiry.

[Anonymous]

Sometimes my score will increase with a new inquiry and sometimes it will decrease and other times, it's unaffected. Not sure what determines this. 

[Anonymous]

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@Anonymous wrote:

Almost certainly it is not the actual inquiry making the score go up. There are limited numbers of things that trigger a score change. For example if you consistently pay before the statement close day, the oks on your report arent being factored in. A creditor reporting ok with no balance change doesn't trigger fico to update score here. So lets say you either had a 0 balance for a month on 4 of your cards or paid before statement day...those 4 new oks arent being scored until something causes the update. Whether thats a balance change, inquiry, new account, whatever. The inquiry causes the update, but the new unupdated info gets built into that score change.

If the score went up 5 points on an inquiry, you were prob up 8 points before it and minus 3 for the inquiry = Fico score +5 for new inquiry.

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Exactly right.  An inquiry by itself will never make your score up.  It justs triggers the alert and reporting.

[Anonymous]

i was just gona ask the same question.  i just applied for sallie mae card and i guess transunion picked it up and the TU score went up 12 pts just today. this is based from myfico. 

[jbsea]

I had just asked this same question.  My score went up 28 pts with one inqurire.  That make so much more since now.  Thank you for explaning.  I love how I learn something new every day on here.