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Valued Contributor
nyccc2
Posts: 1,195
Registered: ‎12-13-2007

Do 9+ month old inquiries hurt?

I have 3 inquires from 5/08 from Collection Agencies (in fact these shouldn't be on but that is another story). Will creditors look at those negatively?
MyFico Scores (TU/Exp/Efx):

11/02/08 696 / 695/ 737- 5/4/08: 667 / 703 / 668 - 11/07 Low 500s All (Fako)
Moderator Emeritus
cheddar
Posts: 6,794
Registered: ‎09-29-2007

Re: Do 9+ month old inquiries hurt?

[ Edited ]


nyccc2 wrote:
I have 3 inquires from 5/08 from Collection Agencies (in fact these shouldn't be on but that is another story). Will creditors look at those negatively?

All hard inquiries, no matter who they are from, hurt FICO for one year from the date of the inquiry.

For manual review, inquiries from CAs may raise a red flag.
 


Message Edited by cheddar on 02-13-2008 09:54 AM
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