@Anonymous wrote:Just received alert from my Experian account that my credit score dropped by 30 points (752 to 728).
The only explanation I can guess of are my 4 mortgage inquiries made within 2 weeks
All other components are in good standing
I thought mortgage inquries should affect the score as they were only 1 inquiry. Or I am wrong?
Please share your thoughts
Mortgage inquiries have a 30 day grace period anyway.
Yes mortgage inquiries are scored as one if they're within a certain time frame; I'm assuming this is a EX FICO 8 score but where did you get the alert from and also what's the rest of your file look like in terms of number and age of tradelines?
Also I guess for completeness what dates are each inquiry at and what are they labeled as (name would be fine, usually mortgage inquiries come from CBC/INNOVIS or CREDCO to give 2 examples of trimerge pullers).
Payment history – Exceptional
Amount of debt – 0%
Length – AAOA 8m / AOA – 1.1 yr (Actually the oldest account 1.10 where I am an authorised user)
Inquires -5 (4 mortgage)
Credit mix – Very good
This is EX-8. I have a pay account with Experian (through itunes that cost arount 5 usd per month)
Please see attached picture for the inquiries details
Just as a guess since all those look like mortgage inquiries and none of them are beyond 30 days yet: when it says 0% are you at $0 across the board on revolvers?