topic Re: When Will Inquiries Drop Off? in General Credit Topics

When Will Inquiries Drop Off?

Trudy — Sat, 01 Feb 2020 18:03:15 GMT

I have an INQ from 1/5/2018. I know it became unscorable in 2019. Just curious when it actually drops off of your report, not visable to lenders?

My understanding from here is that for EX specifically, it will drop off of your report the 1st Saturday of the new month after it aged 2 years. I was looking for that to happen today but it still shows.

Re: When Will Inquiries Drop Off?

Anonymous — Sat, 01 Feb 2020 19:23:04 GMT

Should fall off when it updates 25 months from said inquiry, so it should be gone by the nest update.

Re: When Will Inquiries Drop Off?

Anonymous — Sat, 01 Feb 2020 21:17:57 GMT

Yes, wait until next update and it should no longer be there.

Re: When Will Inquiries Drop Off?

Trudy — Sat, 01 Feb 2020 21:49:20 GMT

Thanks for the replies. I have and EX subscription so I get daily updates. Both replies note "next" update. Janus notes 25 months. So is this tomorrow or 2/6 or actually 2/8 if in fact these changes hit on Saturdays?

Re: When Will Inquiries Drop Off?

RickNATL — Sun, 02 Feb 2020 11:00:41 GMT

...probably Feb / March...

Re: When Will Inquiries Drop Off?

Anonymous — Mon, 03 Feb 2020 02:42:56 GMT

EX should tell you when it’s due to be removed but it’s typically 25 months, IIRC.

Re: When Will Inquiries Drop Off?

Remedios — Mon, 03 Feb 2020 04:18:06 GMT

02/08 Trudy. So by Sunday it should poof
I've watched about 12 poof in the last 3 months.

Re: When Will Inquiries Drop Off?

Queen_Etherea — Mon, 03 Feb 2020 15:36:47 GMT

Experian always takes forever to delete inquiries. I had 3 from December that just recently dropped off, and it took forever. I think maybe the middle of January is when they finally vanished.

Re: When Will Inquiries Drop Off?

Trudy — Mon, 03 Feb 2020 18:23:23 GMT

Thanks everyone. EX says 1/5/2020 is the removal date but I believe I got the understanding about the 1st Saturday of the following from Remedios' response to Queen_Etherea's post last year. So I was expecting it to be removed 2/1.

Re: When Will Inquiries Drop Off?

Remedios — Mon, 03 Feb 2020 18:32:20 GMT

I looked at the calendar, and it should have been removed on the 02/01. For some reason, I thought Saturday was the 31st 😐
I guess they are slacking on housekeeping.
Anyways, all of mine have fallen off on the first Saturday of the following month, so maybe it has something to do with 1st being a Saturday.
Leave it to CRAs to make even simplest of things appear clandestine

Re: When Will Inquiries Drop Off?

Trudy — Mon, 03 Feb 2020 20:22:29 GMT

As soon as we think we've figured something out, they'll change on you

Re: When Will Inquiries Drop Off?

OmarR — Sat, 08 Feb 2020 19:23:21 GMT

In my experience, they have been lagging until about wed/thurs after the first Sat of the month.

Trudy, they should definitely be gone as of today.

Re: When Will Inquiries Drop Off?

Trudy — Sat, 08 Feb 2020 19:27:27 GMT

Thanks. It fell off today.