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cross-bureau score impact?

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expatCanuck
Super Contributor

cross-bureau score impact?

G'day.

 

A couple of days ago, I applied for a card, resulting in an INQ on TU.

Today, my EX FICO 2 score is down 4 points (805 --> 801).  

 

Can an INQ on Bureau A impact a FICO score on Bureau B?

(I can't think of any other salient changes to my report, but that doesn't mean that there aren't any.)


2025 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 14-Sep-2025 ]
EQ8??0 INQ7y4m
EX8404 INQ (2 CC, 2 auto)7y
TU8??1 INQ (CC)6y8m
3/241/12AoYA 10m | AoOA 24y2m~1%

FICO 9 is 837.
3 REPLIES 3
expatCanuck
Super Contributor

Re: cross-bureau score impact?

Figured it out.

 

While I have 3 cards reporting a balance, they all have a limit of $30K or more.

A 4th card that had a reported a balance zeroed out last night.

 

<crawls back under rock>


2025 Goal: save 3 months' net income

Starting FICO8: 666 (give or take a FICO)
[ Last INQ 14-Sep-2025 ]
EQ8??0 INQ7y4m
EX8404 INQ (2 CC, 2 auto)7y
TU8??1 INQ (CC)6y8m
3/241/12AoYA 10m | AoOA 24y2m~1%

FICO 9 is 837.
Message 2 of 4
pizzadude
Credit Mentor

Re: cross-bureau score impact?

Glad you were able to figure it out !  Smiley Happy

 

And to answer your original question, there is no crossover from one CR to another CR - Creditors update each bureau separately. 

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 3 of 4
SouthJamaica
Mega Contributor

Re: cross-bureau score impact?


@expatCanuck wrote:

G'day.

 

A couple of days ago, I applied for a card, resulting in an INQ on TU.

Today, my EX FICO 2 score is down 4 points (805 --> 801).  

 

Can an INQ on Bureau A impact a FICO score on Bureau B?

(I can't think of any other salient changes to my report, but that doesn't mean that there aren't any.)


No, it wouldn't.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 4 of 4
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