09-12-2007 02:03 PM
09-12-2007 02:15 PM
They count against your score for 1 year and drop off after 2 years (tomorrow)
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?
09-12-2007 02:15 PM
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.
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?
09-12-2007 02:26 PM
09-12-2007 02:44 PM - edited 09-12-2007 08:56 PM
09-12-2007 03:14 PM
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.
So what you're saying is they count against you for two years but only stay on your reports for one year??
09-12-2007 03:54 PM - edited 09-12-2007 03:54 PM
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