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Regular Contributor
Elexi21
Posts: 195
Registered: ‎08-02-2007
0

How long do hard inquiries stay on your credit report?

I have 3 hard inquiries on my credit report dated 9/13/05...I thought I heard somewhere that they "drop off" your credit report after two years.  Is that correct?
8/07: EX 453, EQ 457, TU 481
5/08: EX 599, EQ 581, TU 612
1/09: EX 653, EQ 601, TU 621
2/09: EX 675, EQ 619, TU 649
7/09: EX ?, EQ 630, TU 670
8/09: EX 701 (nexgen), EQ 675, TU 685
TU 694
Super Contributor
MidnightVoice
Posts: 8,157
Registered: ‎03-25-2007
0

Re: How long do hard inquiries stay on your credit report?



Elexi21 wrote:
I have 3 hard inquiries on my credit report dated 9/13/05...I thought I heard somewhere that they "drop off" your credit report after two years.  Is that correct?


They count against your score for 1 year and drop off after 2 years (tomorrow)
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Moderator Emeritus
masdeocho
Posts: 2,050
Registered: ‎04-17-2007
0

Re: How long do hard inquiries stay on your credit report?



Elexi21 wrote:
I have 3 hard inquiries on my credit report dated 9/13/05...I thought I heard somewhere that they "drop off" your credit report after two years.  Is that correct?


Yes.  So Happy Birthday and Farewell to those inqs tomorrow.  Even better, they stopped factoring into your FICO score a year ago.  The score only counts inqs from the past 12 months.
-----------------
Bartender, bring another round of FICOtinis please!

9.4.2011: TU 805. EQ 815.
Regular Contributor
Elexi21
Posts: 195
Registered: ‎08-02-2007
0

Re: How long do hard inquiries stay on your credit report?

Awesome!  Thanks guys (or gals) :smileyhappy:
8/07: EX 453, EQ 457, TU 481
5/08: EX 599, EQ 581, TU 612
1/09: EX 653, EQ 601, TU 621
2/09: EX 675, EQ 619, TU 649
7/09: EX ?, EQ 630, TU 670
8/09: EX 701 (nexgen), EQ 675, TU 685
TU 694
Moderator Emeritus
fused
Posts: 16,373
Registered: ‎03-12-2007
0

Re: How long do hard inquiries stay on your credit report?

[ Edited ]
So what you're saying is they count against you for two years but only stay on your reports for one year??:smileysad:
 
 
P.S.
 
Ah, no takers! I was hoping Midnight or someone else would say "he's a mod and he doesn't know this"! Just bored I guess!!!!!:smileytongue:


Message Edited by fused111 on 09-12-2007 05:56 PM
Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

Moderator Emeritus
masdeocho
Posts: 2,050
Registered: ‎04-17-2007
0

Re: How long do hard inquiries stay on your credit report?



fused111 wrote:
So what you're saying is they count against you for two years but only stay on your reports for one year??:smileysad:


No fused, you are confused.  It's the reverse.  The inqs appear on the CRs for 2 yrs. but only count for one for scoring.  I suppose they might count against you on a manual review if you have 50 inqs between 12 - 24 months previously.
-----------------
Bartender, bring another round of FICOtinis please!

9.4.2011: TU 805. EQ 815.
Super Contributor
MidnightVoice
Posts: 8,157
Registered: ‎03-25-2007
0

Re: How long do hard inquiries stay on your credit report?

[ Edited ]
My last Cingular inq had its birthday today  :smileyvery-happy:


Message Edited by MidnightVoice on 09-12-2007 05:54 PM
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid

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