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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.
Moderator
Posts: 9,674
Registered: ‎01-28-2010
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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.
Moderator
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
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