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2 years ago
Wed Jun 29, 2022 7:30 pm
Justaguy
Seasoned Rebel
Justaguy has been gardening for over 2 years.
Overnight, I think I went from one inquiry on EX to zero. My EX2 jumped up 11 points, from 802 to 813. No other changes to my report.
I say “I think” because there were two HPs on 6/29/2021, but both were related to a car lease and both coded as Auto, so I assume they were consolidated to one for FICO purposes.
I’m surprised the gain was so large. I think I only lost 5 points when these inquiries showed up (actually a month later because of the consolidation feature, but you get the point). I don’t know what accounts for the asymmetry.
EX8 didn’t budge when these inquiries appeared and it didn’t budge when they aged to a year. So I seem to get one free inquiry there. I’ve been eyeing a BofA Unlimited Cash Rewards card, and they pull EX for me. It would almost be a waste not to use my free HP…
- Score data EQ8: 806 TU8: 841 EX8: 810
- Classic 8 Scorecard CLEAN/THICK/MATURE/NEW-REVOLVER
- Mortgage Scorecard CLEAN/THICK/MATURE/NEW-ACCOUNT
- AoOA 28y+
- AoORA 28y+
- Date of Last Inquiry and/or New Account Opening November 16th, 2021