How do hard inquiries age off your CR. I have 3 HIs on my EX all almost one year old. Have they been losing their negative effect gradually over the year, increasing my score slowly. Or at the one year mark wil my score jump due to their age.
@vygotsky wrote:How do hard inquiries age off your CR. I have 3 HIs on my EX all almost one year old. Have they been losing their negative effect gradually over the year, increasing my score slowly. Or at the one year mark wil my score jump due to their age.
They are supposed to no longer effect fico scoring after an year. They will remain on your credit report for two years though.
But how is my score being affected over the year? incresing slowly as the HIs lose effect or will i see a jump at the one year mark
@vygotsky wrote:But how is my score being affected over the year? incresing slowly as the HIs lose effect or will i see a jump at the one year mark
That I don't know how much it affects,I think it has to do with your overall credit file
There are only hurt your for the first 12 moths especially the first 6 if you just wait they will fall off after 24 moths
But you can always call the creditor to see if they can deleted especially if you buying a house
But you can always call the creditor to see if they can deleted especially if you buying a house
Starting Score: 640
I had a dozen auto inquiries hit 1 year old in April and my score didn't change at all.
Only a couple were actually coded as auto according to what I could see on my reports... I haven't pursued changing it because it makes little difference now. The next auto I buy will be pre approved by my CU... So this won't happen again.
Only a couple were actually coded as auto according to what I could see on my reports... I haven't pursued changing it because it makes little difference now. The next auto I buy will be pre approved by my CU... So this won't happen again.
