Mortgage score improvement when inquiries fall of

Mortgage score improvement when inquiries fall ofMortgage score improvement when inquiries fall of
AnitaFedorova asked 4 years ago

Hi

   I’m in the process of buying home . Its under construction. I got pre-approval for 627 middle score in Dec 2015. By May last week or June 1st week 2016 home will be completed.

 

Since Dec 2015 to till date , i reduced debt UTL from 56% to 29% , but I got max increase in FICO 8 score but my mortgage score increased only few points.

 

Dec 15- 2015 scores

 

EQ – 609 mortgage , 638 (FICO 8)

TU – 627 mortgage , 660 (FICO 8)

EX – 656 mortgage , 672(FICO 8)

Utilization – 56 %

 

Mar -3 -2016 scores

 

EQ – 619 mortgage , 679 (FICO 8)

TU – 633 mortgage , 682(FICO 8)

EX – 664 mortgage , 698 (FICO 8)

Utilization – 29%

 

After so much effort I noticed only few points increase in mortgage score. I doubt is my inquiries hurting my mortgage score.

 

TU
Inquiries 24 (Mar 15- Mar16)
 Apr 2015 – 1 
 May 2015 – 3
    June 2015 – 4
 Jul 2015 – 4
 Aug 2015 – 4
 Sep 2015 – 1
 Oct 2015 – 2
 Nov 2015 – 2
 Dec 2016 – 3
 
EX
 Inquiries 42 (Mar 15- Mar16)
 Mar 2015- 1
  Apr 2015 – 3
 May 2015 – 2
    June 2015 – 13
 Jul 2015 – 6
 Aug 2015 – 8
 Sep 2015 – 2
 Oct 2015 – 2
 Nov 2015 – 1
 Dec 2016 – 3
 
EQ
 Inquiries 56 (Mar 15- Mar16)
 Mar 2015- 1
  Apr 2015 – 5
 May 2015 – 7
    June 2015 – 14
 Jul 2015 – 7
 Aug 2015 – 12
 Sep 2015 – 2
 Oct 2015 – 2
 Nov 2015 – 2
 Dec 2016 – 3 

 

How much points increase I will get when each inquiries fell off. Looks like by Apr 2016 , 4 inquiries will fall off from Experian , 6 from Equifax and 1 from TU .

How much point i can expect

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