A Hard Credit Inquiry is coming off my record soon, what’ll need the effect?

[JetFueledThoughts]

Edit: Be* the effect, not need the effect

Does my score go up? Stay the same?

It’s the only hard inquiry I have right now, was for a pet credit loan 2 years back for my dog.

Since then, I’ve paid off all credit card debt, and also the credit account that this pull was for.

My score is 800+ I’m just wondering if this inquiry leaving will take my score up more, and if so would I be dumb to not buy property while rates are still low?

 

[Swirv]

Edit: Be* the effect, not need the effect

Does my score go up? Stay the same?

It’s the only hard inquiry I have right now, was for a pet credit loan 2 years back for my dog.

Since then, I’ve paid off all credit card debt, and also the credit account that this pull was for.

My score is 800+ I’m just wondering if this inquiry leaving will take my score up more, and if so would I be dumb to not buy property while rates are still low?

If your score is 800+ you have nothing to worry about. The effect will be miniscule.