Data point here for the team: My TU4 negative reason code "Too many inquiries in the last 12 months" went away when my one and only hard inquiry on TU passed 365 days in age. My only other negative reason statement "Length of time accounts have been established" remains now when looking at that score. My score gain was +11 points, from 809 --> 820. This data point aligns with the one you posted about a year ago, Justaguy where you saw the same exact 11 points on EX2.
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Single TU4 inquiry worth 11 points

1 of 4
A year ago
Tue Aug 01, 2023 12:58 am
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 24 days, 12 hours, and 53 minutes Next Level in6 days, 11 hours, and 7 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 12 hours, and 53 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 12 hours, and 53 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 12 hours, and 53 minutes ago
Data point here for the team: My TU4 negative reason code "Too many inquiries in the last 12 months" went away when my one and only hard inquiry on TU passed 365 days in age. My only other negative reason statement "Length of time accounts have been established" remains now when looking at that score. My score gain was +11 points, from 809 --> 820. This data point aligns with the one you posted about a year ago, @Justaguy where you saw the same exact 11 points on EX2.
BrutalBodyShots
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Re: Single TU4 inquiry worth 11 points

2 of 4
7 months ago
Sun Feb 04, 2024 2:23 pm
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EvenBetterThanTheRealThing
Seasoned Rebel
Level5 Last INQFriday, April 12, 2024 Gardening For5 months, 4 days, 12 hours, and 53 minutes Next Level in25 days, 11 hours, and 7 minutes on October 12th INQ 1yr onSaturday, April 12, 2025 INQ 1yr in6 months, 26 days, 11 hours, and 7 minutes INQ 2yr onSunday, April 12, 2026 INQ 2yr in1 year, 6 months, 26 days, 11 hours, and 7 minutes Goal12 months Goal DateSaturday, April 12, 2025 Goal In6 months, 26 days, 11 hours, and 7 minutes
Just now reading this but that's good to know I've got something to look forward to. I just went to 1/12 on TU and EX (already was on EQ) and it gave me a nice bump of +9 for TU4 and +15 for EX2. Nonetheless, by the time I'm ready to buy I may not need to worry about these scores so much.
EvenBetterThanTheRealThing
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Seasoned Rebel
  • Score data EQ8 688 TU8 698 EX8 692
    EQ9 711 TU9 707 EX9 717
    EQ10T 693 TU10T 704 EX10T 679
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Re: Single TU4 inquiry worth 11 points

3 of 4
7 months ago
Sun Feb 04, 2024 7:20 pm
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Beefy
Seasoned Rebel
Level3 Last INQTuesday, May 28, 2024 Gardening For3 months, 19 days, 12 hours, and 53 minutes Next Level in11 days, 11 hours, and 7 minutes on September 28th INQ 1yr onWednesday, May 28, 2025 INQ 1yr in8 months, 11 days, 11 hours, and 7 minutes INQ 2yr onThursday, May 28, 2026 INQ 2yr in1 year, 8 months, 11 days, 11 hours, and 7 minutes Goal12 months Goal DateWednesday, May 28, 2025 Goal In8 months, 11 days, 11 hours, and 7 minutes
EvenBetterThanTheRealThing wrote: ↑Sun Feb 04, 2024 2:23 pm Just now reading this but that's good to know I've got something to look forward to. I just went to 1/12 on TU and EX (already was on EQ) and it gave me a nice bump of +9 for TU4 and +15 for EX2. Nonetheless, by the time I'm ready to buy I may not need to worry about these scores so much.
You can see this with f8 as well the first HP comes with 2 penalties the HP and “seeking credit”.
Beefy
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Seasoned Rebel
  • Score data EQ8-791; TU8-780 EX8-766
    EQ9-816; TU9-776; EX9-776
    EQ5-729; TI4- 740; EX2-723
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Re: Single TU4 inquiry worth 11 points

4 of 4
7 months ago
Mon Feb 05, 2024 8:37 pm
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EvenBetterThanTheRealThing
Seasoned Rebel
Level5 Last INQFriday, April 12, 2024 Gardening For5 months, 4 days, 12 hours, and 53 minutes Next Level in25 days, 11 hours, and 7 minutes on October 12th INQ 1yr onSaturday, April 12, 2025 INQ 1yr in6 months, 26 days, 11 hours, and 7 minutes INQ 2yr onSunday, April 12, 2026 INQ 2yr in1 year, 6 months, 26 days, 11 hours, and 7 minutes Goal12 months Goal DateSaturday, April 12, 2025 Goal In6 months, 26 days, 11 hours, and 7 minutes
Beefy wrote: ↑Sun Feb 04, 2024 7:20 pm
EvenBetterThanTheRealThing wrote: ↑Sun Feb 04, 2024 2:23 pm Just now reading this but that's good to know I've got something to look forward to. I just went to 1/12 on TU and EX (already was on EQ) and it gave me a nice bump of +9 for TU4 and +15 for EX2. Nonetheless, by the time I'm ready to buy I may not need to worry about these scores so much.
You can see this with f8 as well the first HP comes with 2 penalties the HP and “seeking credit”.
Ahh yeah, needless to say going from 2 HPs to 1HP scoring didn't change my TU8 at all. The others all got a nice bump though TU9 went +12, TU10 +12and TU10T +14. Looking forward to August when all my HPs will be over a year.
EvenBetterThanTheRealThing
A default user avatar.
Seasoned Rebel
  • Score data EQ8 688 TU8 698 EX8 692
    EQ9 711 TU9 707 EX9 717
    EQ10T 693 TU10T 704 EX10T 679
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