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Inqs: Do they fall off at beginning or end of the month?

Regular Contributor

Inqs: Do they fall off at beginning or end of the month?

Have a quick inq question. Have an inq that will hit the 1 year mark on Sept 7th. My question is: Will it quit affecting my FICO on Sept 7th or will I have to wait til the end of Sept for it to no longer have an effect? I know inqs stay on for 2 years but I know they don't impact your score after a year, so basically I'm trying to figure out when this inq will no longer impact my score. And about how much of a point jump should I expect to see when it no longer effects my FICO?
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Super Contributor

Re: Inqs: Do they fall off at beginning or end of the month?


hippychic823 wrote:
Have a quick inq question. Have an inq that will hit the 1 year mark on Sept 7th. My question is: Will it quit affecting my FICO on Sept 7th or will I have to wait til the end of Sept for it to no longer have an effect? I know inqs stay on for 2 years but I know they don't impact your score after a year, so basically I'm trying to figure out when this inq will no longer impact my score. And about how much of a point jump should I expect to see when it no longer effects my FICO?

I think that FICO would stop scoring it on Oct 1.   You probably won't see much of a FICO score bump though........inquiries often don't ding your score very much.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
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