Inquiries - Fall off or CC stop reporting?

[haulingthescoreup]

---

@fused wrote:

---

@haulingthescoreup wrote:
Inq's will show for 2 years, but they only count against you for one year. Their worst damage occurs in the first six months, and then they start to fade. After 12 months, they show up on your report, but they are not counted in your scores.

---

Sorry but no fading on inqs after six months, the negative impact lasts the full twelve months then they scram.

---

I think I got confused about this from feedback on my FICO scores. So is it actually the aging of the new account, instead of the (non-)aging of the inq, that helps a score after six months?

[Anonymous]

That is my understanding-

---

@haulingthescoreup wrote:

---

@fused wrote:

---

@haulingthescoreup wrote:
Inq's will show for 2 years, but they only count against you for one year. Their worst damage occurs in the first six months, and then they start to fade. After 12 months, they show up on your report, but they are not counted in your scores.

---

Sorry but no fading on inqs after six months, the negative impact lasts the full twelve months then they scram.

---

I think I got confused about this from feedback on my FICO scores. So is it actually the aging of the new account, instead of the (non-)aging of the inq, that helps a score after six months?

---

[fused]

Yes, agreed!

[haulingthescoreup]

Gotcha, thanks to both. Now I need to undo another post!