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Frequent Contributor
JMills
Posts: 271
Registered: ‎03-08-2013
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How long does Inquries stay on your report

On the forumn it has been often  been said that once a year has pass, an inquiry no longer affects your credit score. I have some inquries for 2011,2012. I still see them on there, will creditors see these inquries on my report? Or only my eyes can see it. Because I was under the assumption that inquries stay on your file for two years

 

Inquries I have now

 

EX 3

EQ 7

TU 2

Valued Contributor
asphaltcowboy
Posts: 1,133
Registered: ‎02-03-2013
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Re: How long does Inquries stay on your report

[ Edited ]

You should be getting close to the fall off on the 2011, as they stay on your report for two years

I should have added that if you get your free reports from annualcreditreports it should show the expected fall off date

lenders may see hard inquries,  only you will see the soft inquries

Hope this helps




Starting Score TU 667 EQ 663 EX 655
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Super Contributor
longtimelurker
Posts: 8,157
Registered: ‎04-22-2013
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Re: How long does Inquries stay on your report


JMills wrote:

On the forumn it has been often  been said that once a year has pass, an inquiry no longer affects your credit score. I have some inquries for 2011,2012. I still see them on there, will creditors see these inquries on my report? Or only my eyes can see it. Because I was under the assumption that inquries stay on your file for two years

 

Inquries I have now

 

EX 3

EQ 7

TU 2


So there are two different dates.  For Scores, after one year the inquiries have no impact (and have a reduced effect during that year as time goes on).  They do stay on your report for 2 years and any creditor can see them during that time.   Some creditors will look at everything on the report, others only more recent stuff.   So on manual review, potentially they can impact decisions for two years.


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