How long does it take for inquiries to fall off of your reports???

[Anonymous]

I know this question has been asked before, but I need to know the average time it takes for inquiries to fall off of the CR's. I have 13 and I know that this is affecting my scores and my ability to get CLI's and potentially new credit down the line. 

[MidnightVoice]

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landocalrissian wrote:

I know this question has been asked before, but I need to know the average time it takes for inquiries to fall off of the CR's. I have 13 and I know that this is affecting my scores and my ability to get CLI's and potentially new credit down the line. 

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There should be no average.  They remain for 2 years but only affect your score for 1 year.

[NowIcare]

Its 2yrs to completely dissapear..........

but only the past yr counts toward your fico score.......

[Anonymous]

We are talking hard pulls here??????

[NowIcare]

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landocalrissian wrote:

We are talking hard pulls here??????

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Yup hard pulls

[Anonymous]

Thanks for the intel.  Now I guess I might have to wait a year to apply for new credit.  Not a problem.  I am trying to manage the 7 cards that I have and develop a good credit history.  Dilute the bad credit with the good.

[haulingthescoreup]

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@Anonymous wrote:

Thanks for the intel. Now I guess I might have to wait a year to apply for new credit. Not a problem. I am trying to manage the 7 cards that I have and develop a good credit history. Dilute the bad credit with the good.

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I've been told that the inq's carry the full damage for one year, and then *poof* zero damage, although they will display if someone pulls your report. What does start to fade: if your inq worked, and you got new credit from it, the hit from the newness starts to fade after 3 months, and then again at 6 months.

So if you read about inq's hurting less after 6 months, what's probably going on is that the CC that came from it had its 6-month birthday, and then was a score bump from that.

If this works for you, you might do a rolling calendar. Get familiar when things hit 3 months, 6 months, 12 months, 18 months, and 24 months. This includes inqs, new accounts, lates, all that good stuff. Sometimes you get little surprise score bumps just from something getting a little bit older.