Re: WK Question
On TU, I got SIX at a time falling off. I suspect there's a large "cluster" they use and they fall off together, in this case, chronologically.
Originally posted by catnap1972
Does one have to knock off everything (softs included) from the particular month of the offending hard or is it just a matter of unloading whatever would fall directly behind that particular hard in sequence?
Say if there's a hard from 7/15 and softs from 7/01 - 7/31...does everything from July have to be knocked off or just everything older than 7/15 to get rid of it?
On EQ, it started to fall off the bottom - oldest - but then softs in the middle started coming off. I was tracking it a spreadsheet, very weird, but my oldest inqs are not falling off anymore. I suspect EQ has partially fixed the problem, or just picking a randomish number to start deleting entries. I've watched the total allowed grow from 150 to 183 - stays fixed for a while, then opens up by three or four.
For me, TU has only one inquiry and that's going to come off as request from the party who made the inquiry. But first we'll have a little fun while TU tells me they won't delete inqs, wait 30 days and bam! Love this board!
Ch7 BK filed Aug '01 - got $300k+ mtg 5.5% fixed w/5% down and car loan since - no luck, just built up CL w/crap cards and paid them off.
May'03 ->Apr'04 [fako]-FICO
EX 580-> 712
TU 590-> 697
EQ 585-> 679(BK off, gained 3 lousy points!)
balance was 18.5k, now $2k! utilization was 95%, now 10%