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Inquiry fading effect theory

Frequent Contributor

Inquiry fading effect theory

Read a lot of old threads on here where people debated the inquiry fading effect. So what's the final answer.......does the inquiry lose it's effect gradually after 6 months, or keep its full blow until the year?

Myfico scores.....
EX... 805 (11-10-13)
EQ... 810 (12-02-13)
TU... 810 (12-02-13)
Message 1 of 3
2 REPLIES
Established Contributor

Re: Inquiry fading effect theory

IME inquiries had less impact on my score after 6 months and no impact after 12 months.  So yes there is some truth to the fading effect.

Message 2 of 3
Frequent Contributor

Re: Inquiry fading effect theory

Ok, that's what I needed to know. Thanks.

Myfico scores.....
EX... 805 (11-10-13)
EQ... 810 (12-02-13)
TU... 810 (12-02-13)
Message 3 of 3