Valued Contributor
Posts: 1,680
Registered: ‎01-05-2010
Outside the two year window

Two of three inquiries from a refinance in 10/2010 dropped on 10/1/2012 which is a month sooner than I had expected. The last one though, Experian, hasn't dropped yet, and now it's another month and another day later. Does that make any sense?

Never underestimate the power of denial
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
Re: Outside the two year window
I also have an inquiry from 10/2010 that hasn't dropped off Experian. Apparently they seem to drop off around the first week of the following month. So anytime in the next few days we should see it fall off.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Valued Contributor
Posts: 1,680
Registered: ‎01-05-2010
Re: Outside the two year window

Thanks for your prompt and precise response.

My focus has increasingly turned to the two year window. I have no EQ or TU inquiries within this window and also no EX inquiries within the one year window. No new card credit within the two year window, just an installment loan outside the one year window. So if my card utilization is okay by the end of the summer next year and the installment loan has been paid down, I'm clean as a whistle. But then what do I have to look forward to? :smileysurprised: :smileywink:

Never underestimate the power of denial
Established Contributor
Posts: 760
Registered: ‎02-11-2012
Re: Outside the two year window

Easy crusing, near the beach, with the radio playing and a girl under each arm!

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)


Remember the Three P's: Pay early in Full, Pay on Time, Patience
Epic Contributor
Posts: 20,893
Registered: ‎03-19-2007
Re: Outside the two year window

The "two year window" for continued inclusion in credit reports is not regulated by the FCRA, and is purely an administrative decision by the CRAs, which they can choose to exclude earlier than two years, or even extend beyond that point.  It's primarily based on their need to purge their databases of mounds and mounds of information that has become of little value to their customers.

 

Similarly, the "one year window" for use of inquires in scoring is purely a business decision of FICO, based on their determination that they lose risk-predictive value after that point.    I would suppose that most creditors take a similar view when reviewing a consumer file.  While inquiries beyond one year may still be included in reports they receive, I suspect they are generally given little weight in their decision-maling.

Valued Contributor
Posts: 1,680
Registered: ‎01-05-2010
Re: Outside the two year window

For the record, the EX inquiry fell off just two days after I said it still hadn't. :smileyhappy:

Never underestimate the power of denial