topic Re: Fico score impact....Inquiry falling off after one year in Understanding FICO® Scoring

Fico score impact....Inquiry falling off after one year

Madison — Wed, 16 Jan 2008 14:46:32 GMT

It is my understanding that an inquiry will impact your FICO score for one year. I have one inquiry which was made 1/10/07. I assume it will fall off my EQX report now but I have received no notice on my Credit Watch Score as of today. Will it effect my FICO score when it is taken off and how long does it usually take? Thanks.

Re: Fico score impact....Inquiry falling off after one year

marty56 — Wed, 16 Jan 2008 14:57:36 GMT

I thought it stays 2 years but only affects score for 1 year. Any FICO experts confirm or refute this.

Re: Fico score impact....Inquiry falling off after one year

Anonymous — Wed, 16 Jan 2008 15:03:28 GMT

Marty56 is correct. Only inqs within the most recent 12 months count in the score, although inqs within the most recent 24 months appear on the report.

Re: Fico score impact....Inquiry falling off after one year

Anonymous — Fri, 18 Jan 2008 02:39:56 GMT

i sent eq a letter in the mail, disputed inqs. took them all off but one. i havent had any luck with tu or ex..

Re: Fico score impact....Inquiry falling off after one year

fused — Fri, 18 Jan 2008 02:48:39 GMT

garrett_ wrote:
i sent eq a letter in the mail, disputed inqs. took them all off but one. i havent had any luck with tu or ex..

Were these non-permissible purpose inqs?

Re: Fico score impact....Inquiry falling off after one year

Anonymous — Fri, 18 Jan 2008 03:11:11 GMT

let me go check my reports..brb

Re: Fico score impact....Inquiry falling off after one year

Anonymous — Fri, 18 Jan 2008 03:21:23 GMT

(may impact your credit) eq, cap one, open a cc with them on 8-12-07 put the cl on my old cap cc, closed the 8-12-07 card. they took off that inq...gemb, 4-25-07 took it off. hsbc(orchard) closed it , orchard sucks, 11-14-07 inq, took it off..,,,3 out of 4 were taken off..i just disputed them as not mine..i did it with tu, but sent me a letter saying i had to write to the ccc my self. havent tried ex yet..... with eq, i had to mail them the dispute, cant do it on line or on the phone ..

Re: Fico score impact....Inquiry falling off after one year

Anonymous — Fri, 18 Jan 2008 12:21:04 GMT

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