Mega Contributor
Posts: 18,535
Registered: ‎03-19-2007
Re: Inquiries After One Year?

Both credit reports and their associated FICO scoring are tools that a creditor can choose to use or not to use, and the extent to which any factor affects their decision is up to them, provided of course their consideration does not violate any other provision of law, such as illegal discrimination.


The fact that FICO chooses to discontinue inclusion of inquiries in their scoring after one year is based on their determination that such inquiries are no longer risk-predictive.

I would suspect that most creditors, seeing inquiries over one year, would reach the same conclusion.