topic Re: HARD INQ AND SOFT INQ in General Credit Topics

HARD INQ AND SOFT INQ

Anonymous — Fri, 31 Aug 2012 04:10:43 GMT

How long does a hard inq Stays in a credit report and how long does a soft stay? ??? Very new to credit thanks

Re: HARD INQ AND SOFT INQ

Revelate — Fri, 31 Aug 2012 04:12:51 GMT

@Anonymous wrote:
How long does a hard inq Stays in a credit report and how long does a soft stay? ??? Very new to credit thanks

Two years for each on the credit report.

Hard inquiry only counts against you for one year (months 13-24 are no score impact).

Soft inquiries never count against you score-wise ever.

Re: HARD INQ AND SOFT INQ

Anonymous — Fri, 31 Aug 2012 04:28:08 GMT

So. 2 years right. After that they just fall off the report. The reason is cuz I have like 6 inq. N I just got my 2 first credit cards ever so I really wanna apply for betters cards after those hard pulls fall off or can I app like in a year or so for a good card? ???

Re: HARD INQ AND SOFT INQ

Anonymous — Fri, 31 Aug 2012 04:34:58 GMT

In a year, the hard inquiries won't affect your score so you can apply then with no penalty. Obviously you can apply at any time.

Re: HARD INQ AND SOFT INQ

Anonymous — Fri, 31 Aug 2012 04:51:26 GMT

Thanks a lot Crashem I appreciate. The info. I had no idea about that