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Do 9+ month old inquiries hurt?

Valued Contributor

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)
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Re: Do 9+ month old inquiries hurt?



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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App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. Smiley Surprised )
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