Date of last inquiry too recent

FICO code number

Code numbers can differ by bureau and score version. The wording of the statement is what to match.

What puts this reason on your score

TransUnion FICO Scores use code 19 for this statement. Equifax and Experian use 19 for a different reason about accounts paid as agreed, so read the words, not the number. One application last week can be enough.

FICO's new credit category counts inquiries from the past 12 months, and myFICO says large numbers of inquiries mean greater risk. A fresh inquiry tells the model you're seeking credit right now.

What to check on your credit report

• Find the newest hard inquiry on your TransUnion report and its date.
• Confirm you authorized it.
• If it's a mortgage, auto or student loan pull, check whether it falls inside a rate-shopping window with other pulls of the same kind.

What you can do about it

• Avoid any new applications.
• Dispute the inquiry with TransUnion if you didn't apply.

The free inquiry tracker can help with this step.

How soon a change can show

The code eases as your latest inquiry ages. FICO also ignores mortgage, auto and student loan inquiries made in the 30 days before scoring, so a fresh rate-shopping pull may not count yet.

If you are applying for a mortgage

Your first lender's pull at preapproval can trigger this code on later TransUnion scores. If you then compare other lenders, keep it within a short window so the mortgage pulls group together.

Guides that go deeper

• Hard vs. soft inquiries: which credit checks count against youA hard inquiry comes from a credit application and can trim your score. A soft one never does. A table of the common checks, gray zones included.
• Rate shopping for a loan without wrecking your credit scoreFICO counts mortgage, auto and student loan inquiries made within 14 to 45 days as one. The three rules, a worked timeline, and what isn't covered.
• Removing hard inquiries you didn't authorize, the legitimate wayAn inquiry you never authorized can be disputed, and one from fraud can be blocked. One you did authorize can't. How to sort them and fix each kind.
• What your credit score reason codes are telling youReason codes list what held your score back the most, in order. What the common ones mean, which you can act on, and which to leave alone.