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T/U jumps from 721 to 769 from inquiry removals??

The last post in this topic was posted 2229 days ago. 

 

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Can one of my in house experts please explain how 3 inquiry removals added up to a 48 point increase?? Believe me I'm not complaining but Nanna always said "if it's too good to be true then it probably is!" Any input would be appreciated.

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IF it is a FICO , something else has changed , possibly lower utilization or other factor.

If it is a FAKO , , ignore it, they are not accurate at all.

Edited by parisamour

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I got my scores from MyFico.com. And I thought something else changed too but it didn't. I did apply for a Barclay credit card 2 days prior but that couldn't have helped me. I think a mistake was made somehow. I sincerely don't understand.

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Yes, TU is terrible on MyFico. It takes something like an inquiry or new account to force a refresh, so if you have made many positive strides since last update you end up with massive swings instead of minor changes like you see with EX and EQ. I had a 50 point swing from an inquiry as I , like you, had paid off a ton of balances and it had not updated.

 

My third month just billed over the weekend, so I have fulfilled the obligation. It will be cancelled before it bills a fourth as it was an absolute waste of $.

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Yes, TU is terrible on MyFico. It takes something like an inquiry or new account to force a refresh, so if you have made many positive strides since last update you end up with massive swings instead of minor changes like you see with EX and EQ. I had a 50 point swing from an inquiry as I , like you, had paid off a ton of balances and it had not updated.

 

My third month just billed over the weekend, so I have fulfilled the obligation. It will be cancelled before it bills a fourth as it was an absolute waste of $.

+1 I had a 13pt increase on TU yesterday from 1 inquiry! Should I app 20 more times to make it into the 800 club???

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I hate ponies. They're good only for glue and Taco Bell stuffing.

Edited by chugs102

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So wait, wait, wait! The inquiry made the system refresh to take into account my new balance??

Yes. See post # 2. :D

I have that member on ignore. :lol:

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DidSomebodySayPonies_zps5q64zlsw.gif


 

 

So wait, wait, wait! The inquiry made the system refresh to take into account my new balance??

Yes. See post # 2. :D

I have that member on ignore. :lol:

 

No you don't. :rofl:

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