Inquiry fall off question

[Tyrran]

Hiya folks,

When I purchased my car 2 years ago the dealer ran my credit with everyone before I decided to have my mother cosign. Anyways, between 2/23 and 2/26 I am due to have 14 equifax, 2 experian, and 1 transunion. Since they are old (at their 2 year mark) will I still get a small increase when they fall off?

[guiness56]

I had 13 fall off at one time and got a 10 bump.

[Tyrran]

That's awesome. For some reason I have a 625 TU, 608 EQ, but a 558 EX lol. The latter is such a pain!

[Pilotdude]

There are certain magic thresholds when it comes to inquiries from what I can tell:

0-2 is okay and around 5 points or so.

3-5 is still okay but tags another 5 points

6+ hits harder and usuall is like 10 points I think. 

This is me playing with a score simulator so any real evidence is lacking.

I know that 7+ inquiries on any one bureau hurts. 

[liesierre]

how long are inquiries on there for?

[Shogun]

Inquiries stay on your CR for 2 years, however they only factor into your FICO score for one year.

[liesierre]

thanks Shogun