Hi, welcome to the forums!
Have you read Credit Scoring 101? It's a good intro to what is a really complex subject. One thing that you will quickly find is that all this stuff is linked, and works together to increase scores, decrease scores, or cancel out each other's effects.
Not everything triggers a score change by any means. For many people with fairly new credit and who already have some inqs, one additional inq might not trigger a score change.
Trying to link one score movement to one action can make you really crazy, really fast!
Generally, your accounts will update to the credit bureaus once a month, most often on the statement date (NOT the due date --take a look at a statement to see the difference.) Then you have to wait for the credit bureaus to update their reports. Recently TU has been in a fog, and a lot of members are seeing obsolete info still displaying. So there are a couple of variables.
When everything is ticking along, your reports should be completely refreshed every 4 - 6 weeks. "When everything is ticking along" is the critical factor.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007