Last week two new things happened on my Experian credit report. 1) a paid collection dropped off after the SOL. 2) I requested a hard inquiry be made for a credit card application. I was shocked to look at my report ther next day and see that my score DROPPED 13 points. I guess the only good news is I was approved for a credit card with a 10,000 limit. Hopefully when that is reported my score will raise. Anyway, I just wanted to share the effect of a new inquiry versus an old collection.
