Rebuilding Your Credit

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Contributor
jmco
Posts: 92
Registered: ‎09-23-2012

Inquiries on credit report....

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‎10-14-2012 07:09 PM

Anyone know now long the inquires (HP) stay on your credit reports?

Starting Score: 720
Current Score: 626
Goal Score: 700

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Established Contributor
S7
Posts: 567
Registered: ‎08-24-2012

Re: Inquiries on credit report....

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‎10-14-2012 07:11 PM

2 years I believe. :smileyhappy:

"When you are down in the mouth, remember, everything turned out ok for Jonah."

Current FICO's(by lender) 10/9/12
EX:649, EX:651, TU:683
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Epcot
Posts: 2,592
Registered: ‎10-10-2012

Re: Inquiries on credit report....

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‎10-14-2012 07:11 PM

They fall off after two years. Seems the impact of having them lessens after 6 months, then again after 12 months before completely falling off after 2.

Someone please correct me if I am mistaken.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 777 EX 767 TU 771
App free since 4/11/12
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LIGHTNIN
Posts: 3,353
Registered: ‎03-24-2008

Re: Inquiries on credit report....

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‎10-14-2012 07:16 PM

Yes  inquires report for 2 years and only hurt for 1 year.

FICO's Oct 2012 TU731 EQ744Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
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Contributor
jmco
Posts: 92
Registered: ‎09-23-2012

Re: Inquiries on credit report....

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‎10-14-2012 07:18 PM

Thanks so much all.... (Love this boards).       :smileylol:

Starting Score: 720
Current Score: 626
Goal Score: 700

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