Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
Posts: 240
Registered: ‎02-27-2010
0

Inquirys really stay on for 2 years, 1 month?

Its been 2 years. Why are my inquirys still there?

 

Went to dispute this on EX and it just said it was scheduled to come off August 2012. Its from July 2010.

 

This sound right to you all?

The dress is GOLD AND WHITE!

Starting Score: 561
Current Score: 735 FICO
Goal Score: 740

Decode the algorithm, beat the system. Credit is a game.


Decode the algorithm, beat the system. Credit is a game.
Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
0

Re: Inquirys really stay on for 2 years, 1 month?

Yep ~ it will drop sometime in August, depends on the CRA.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Regular Contributor
Posts: 240
Registered: ‎02-27-2010
0

Re: Inquirys really stay on for 2 years, 1 month?

Ugh. 2 years should mean 2 years!!!

 

 

 

The dress is GOLD AND WHITE!

Starting Score: 561
Current Score: 735 FICO
Goal Score: 740

Decode the algorithm, beat the system. Credit is a game.


Decode the algorithm, beat the system. Credit is a game.
Highlighted
Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
0

Re: Inquirys really stay on for 2 years, 1 month?

[ Edited ]

 

The 2 years is just a convention that the CRAs came up with.   The FCRA doesn't mandate any record retention guidelines for inquiries.

 

And it's ignored by FICO scoring after the first 12 months, so you don't really have to worry about it.    It will drop, maybe August 1....maybe August 31.  

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

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.