i know that inq's stop effecting your score after one year.

but do they do anything besides fall off inbetween the one year and falling off? 

if i apped with a company like amex and all my inq's were a year and 10 months, the only look at the ones a year or under correct? 

i have 4 inq's that completely fall off by feb 13' (2 before new year) so im just curious 

Current: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13) Starting total revolving credit: $2600 | Current total revolving credit: $21,600 Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012

2013 Goals: Freedom Signature Costco:True Earnings

Amex Zync(Unicorn) Chase Freedom$1500 Citizens Mastercard$5000