Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
Re: inquiries.

They'll still be visible by creditors beyond 12 months; they just won't be scored by FICO after 12.


You can app anytime. Every creditor has their own standards and guidelines. I've had some CCCs not care about my inquiries older than 6 months. Some didn't want any under a year. YMMV.