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@creditnocash wrote:Yeah guys this was theoretical.
i did app amex on the first but it said too many inquries in the past 12 months not 2 years.
i have 4 inquries on each report just from august 30th.3 for fico scoring. (auto lease)
another thing. if a inquiry ages over the two year mark, does it fall off right away or is it like an end of the month thing?
I've had some that fell of towards the beginning of the month, some on or around the day they reached two years, and some that have dropped at the end of the month. I'm not sure how the CRAs are actually set up to handle this, but I've just come to expect that an inq should fall off sometime very close its two year anniversary mark.