@LS2982 wrote:
INQ's are at 14 now but all will be over 1 yr. old at apptime.
They may not be factored in your FICO® score after 1 year but, they will ALL still appear on your CR for your future creditors to judge. This is something that I am concerned about myself come apptime next year! 
They don't go away from our CRs until 2 FULL years have passed.
@Anonymous wrote:
@LS2982 wrote:
INQ's are at 14 now but all will be over 1 yr. old at apptime.
They may not be factored in your FICO® score after 1 year but, they will ALL still appear on your CR for your future creditors to judge. This is something that I am concerned about myself come apptime next year!
They don't go away from our CRs until 2 FULL years have passed.
This is partly true. EQ and TU and been pretty much on par with deletions at the yearmark or before. And really AMEX can't fault you if the INQ's are past the 12 month period. They could , but that would be very petty.
@LS2982 wrote:
This is partly true. EQ and TU and been pretty much on par with deletions at the yearmark or before. And really AMEX can't fault you if the INQ's are past the 12 month period. They could , but that would be very petty.
I hope you're right and I'm wrong! 
But, I've got A LOT of inquiries on my CR from 2 full years ago that are still there UNDELETED. They're all from car loan shopping which, I know only counts as 1 for FICO® scoring purposes but, as for Creditor Judging purposes -- I wish they would go away!!!
@Anonymous wrote:
@LS2982 wrote:
This is partly true. EQ and TU and been pretty much on par with deletions at the yearmark or before. And really AMEX can't fault you if the INQ's are past the 12 month period. They could , but that would be very petty.I hope you're right and I'm wrong!
But, I've got A LOT of inquiries on my CR from 2 full years ago that are still there UNDELETED. They're all from car loan shopping which, I know only counts as 1 for FICO® scoring purposes but, as for Creditor Judging purposes -- I wish they would go away!!!
They may still be there but I highly doubt a creditor is going to judge you on them if they're that old.