Regular Contributor
Posts: 237
Registered: ‎07-13-2012
Inquiry Questions

I've read some things about inquiries and after looking over my reports today, I have a few questions -


I've heard that inquiries stay on your report for 2 years and have also heard that they only count against your score for 1 year. This this true?

While reviewing my report, I see tha the IRS has pulled a regular inquiry. I owe back taxes but I never authorized this. Can they do that? Well, I guess they can because they did.


Under the Account Review Inquiries, a bank that I used to have accounts with is listed as pulling my report. This was over 2 years after my bankruptcy (they were included).


When applying for credit, say you go on a little app spree over the course of a day or two. Do the inquiries show up immediately or does it take a little while?  Wondering because I think if they show up right away, companies might see this and be more likely to deny. I could be wrong. 




EX 638 (Lender 9/1) TA 650(Walmart 9/1) EQ 655 (FICO - 9/17)
Goal - 700 Club in '13!!!

My Wallet - Cap 1 - $300. Cap 1 - $750. Orchard - $950.
New as of 8/29 - Target - $3000. Barclay's - $2000. Merrick - $1000. Walmart $600. And as of 9/22 - JCP $200.