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2 years ago
Sun Jan 08, 2023 12:52 pm
Credible
Seasoned Rebel
Credible has been gardening for over 2 years.
Credible has achieved the Garden Goal !!
Credible has achieved the Garden Goal !!
I applied for a mortgage January 6th 2021. The inquiry was scheduled to fall off all my reports February 6th 2023. CK tells me It fell off my EQ and TU reports January 6th and my scores went up 6 and 5 points respectively. This proves two things: hard inquiries affect one's VantageScore credit scores the entire time they are reported, and they can be removed early. Each report had a different score change because I opened 2 Citi cards March of last year; each required an Equifax hard pull.
- Classic 8 Scorecard CLEAN/THICK/MATURE/NO-NEW-REVOLVER
- Mortgage Scorecard CLEAN/THICK/MATURE/NEW-ACCOUNT
- AoOA 129 months
- AoORA 51 months
- Date of Last Inquiry and/or New Account Opening March 28th, 2022
- Garden Goal 24