topic Re: Inquiries still on credit report after 2 years in General Credit Topics

Inquiries still on credit report after 2 years

Anonymous — Fri, 23 Mar 2012 01:50:30 GMT

I thought credit inquiries only stayed on for 2 years..I pull my credit report today and the inquiries from 3/14/2010 to 3/19/2010 are still listed. I pull my report from each bureau using the free one we get once a year...

Re: Inquiries still on credit report after 2 years

llecs — Fri, 23 Mar 2012 02:09:36 GMT

This is on EX, right?

Re: Inquiries still on credit report after 2 years

Anonymous — Fri, 23 Mar 2012 02:15:20 GMT

Yes, does Experian take a little longer for it to update? Thanks for replying.

Re: Inquiries still on credit report after 2 years

pizzadude — Fri, 23 Mar 2012 02:41:14 GMT

They should be gone by month end. Sometimes they don't get dropped until the calender rolls over to a new month.

Re: Inquiries still on credit report after 2 years

st3v3n — Fri, 23 Mar 2012 05:13:14 GMT

It will fall off on the first day of April 2012. Just have some patience.

Re: Inquiries still on credit report after 2 years

Anonymous — Fri, 30 Mar 2012 19:53:37 GMT

Keep in mind that they have no legal requirement to remove them after 2 years. This is just a standard practice that is followed to keep database storage requirements down. The CRAs have decided that most creditors won't care about inquiries more than 2 years old so to limit space needed to store them, they delete after 2 years. If it stays on longer than 2 years for whatever reason, there isn't much you can do to change it. Either way, FICO stops scoring them after 1 year, so I wouldn't worry about them.

Re: Inquiries still on credit report after 2 years

RobertEG — Fri, 30 Mar 2012 22:41:45 GMT

Just as there is no way to legally challenge the administrative deletion of accounts from your credit file after they have been closed for approx. 10 years.

Its just CRA administrative policy for their own benefit, not the consumer's.

Re: Inquiries still on credit report after 2 years

Anonymous — Sat, 31 Mar 2012 18:53:13 GMT

Thanks guys, when I pulled my credit report from experian itself, under the inquiry it says " Permissible purpose. This inquiry is scheduled to continue on record until Apr 2012." So maybe ill go ahead and pull my report tomorrow to check.

Re: Inquiries still on credit report after 2 years

Anonymous — Sun, 01 Apr 2012 13:34:12 GMT

@Anonymous wrote:
Thanks guys, when I pulled my credit report from experian itself, under the inquiry it says " Permissible purpose. This inquiry is scheduled to continue on record until Apr 2012." So maybe ill go ahead and pull my report tomorrow to check.

In my experience things that are scheduled to go away in a certain month don't go away on the first of the month. It could still be there until April 30th.

Re: Inquiries still on credit report after 2 years

Repo-ed — Sun, 01 Apr 2012 13:36:38 GMT

Heck I forgot that today is Apr 1, I should see if any more of mine fell off.

Re: Inquiries still on credit report after 2 years

LS2982 — Sun, 01 Apr 2012 14:39:55 GMT

@pizzadude wrote:

They should be gone by month end. Sometimes they don't get dropped until the calender rolls over to a new month.

Re: Inquiries still on credit report after 2 years

Anonymous — Sun, 01 Apr 2012 15:00:27 GMT

Pulled my Experian report, still there...oh well...they'll fall off eventually.

Re: Inquiries still on credit report after 2 years

LS2982 — Sun, 01 Apr 2012 15:10:07 GMT

@Anonymous wrote:
Pulled my Experian report, still there...oh well...they'll fall off eventually.

Give it a lil more time, maybe a week or two they should drop off.