Credit Card Center Advertiser Disclosure

New Contributor
Posts: 102
Registered: ‎05-18-2011
0 Kudos

Inquiries on credit report

I recently closed on a home with my husband. (Thanks MyFico for helping me get a grip on my credit - we got a great rate!)


I pulled my credit report, and as a result of the home purchase, I have so many inquiries!!! I literally have 22 inquiries from 3 lenders (rate shopping - applied with 3 different places) but they each pulled my report multiple times. I have 22 INQ on TU, 19 on EX...


How long will it take for these to no longer hurt my credit?  I know it takes 2 years to fall off, but the sheer amount of inquiries locks my credit down.


How dissapointing to know I got my credit up and now it's down because of all the inquiries......

SCORES (2/2013): EX 795 TU 717 EXP 726
Goal: 800+ and Gardening

Wallet: NavyFed 15k AMEX BCE 2k Discover 3k BOA 5k
CapitalOne 2250 HSBC RZM 950 Best Buy SC 2900
GEMB/Paypal 3700 Merrick Bank 1k Zales 2k Barclays 1300 GEMB/AJMadison 3600 Walmart 800 VS 500 NY&CO 400
Valued Contributor
Posts: 1,659
Registered: ‎04-06-2011
0 Kudos

Re: Inquiries on credit report

Inquiries fall off after 2 years, but stop hurting after about 1 year. Your CR should have a statement regarding that right above the inquiries section.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 730 08/15 (PSECU), TU08 710 08/15
Goal Score: 725+ across the board

Take the FICO Fitness Challenge

Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
0 Kudos

Re: Inquiries on credit report

To add, FICO will duplicate mortgage (and auto) inquiries for each report if your reports were pulled within a finite time frame. Generally speaking, if you applied between a 14-45 day time period, and let's say you applied 20 times, then FICO will ignore 19 of those inquiries and will only score one. And because scoring is important at app time, FICO will only ding (if any at all) at the end of that window as opposed to the onset of the 14-45 day window. In other words, the point or two or so that you might have lost due to the inquiry probably hasn't been felt yet if you applied in the past month.


The 14-45 day window varies by CRA and FICO version used. The newer FICO versions use 45 days. I know for sure that Beacon 5.0 (same EQ FICO as on here) is 30 days. Seems like TU98 (on here) is 14 days.

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.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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

IMPORTANT INFORMATION: All FICO® Score products made available on 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.