topic Inquiries Falling Off!? in General Credit Topics

Inquiries Falling Off!?

Anonymous — Wed, 01 Apr 2020 22:32:24 GMT

I have 4 inquiries on my Experian credit report that went over the 2 year mark last month. How long do they stay on my credit report? I thought they automatically fall off once they hit the 2-year mark!?

Any guidance is greatly appreciated.

Thanks.

Peace!

Re: Inquiries Falling Off!?

AllZero — Wed, 01 Apr 2020 22:34:27 GMT

IIRC 1st Saturday of the following month or something like that.

Re: Inquiries Falling Off!?

dragontears — Wed, 01 Apr 2020 22:37:28 GMT

@AllZero wrote:
IIRC 1st Saturday of the following month or something like that.

This is what I remember as well, Experian does 2 years + 1 month and they remove things on the first Sat/Sun of the month

Re: Inquiries Falling Off!?

Anonymous — Wed, 01 Apr 2020 22:43:14 GMT

Excellent.

Thanks for the information!!

Re: Inquiries Falling Off!?

Anonymous — Wed, 01 Apr 2020 22:59:14 GMT

If I app for a Chase card, will chase give any negative weight to these 2 year old inquiries?

I only have 1 inquiry in the past year!

Thanks!

Re: Inquiries Falling Off!?

AllZero — Wed, 01 Apr 2020 23:07:12 GMT

@Anonymous wrote:
If I app for a Chase card, will chase give any negative weight to these 2 year old inquiries?

I only have 1 inquiry in the past year!

Thanks!

Your profile looks solid. As long as you are under 5/24, I think you should be okay. If you really want to play it safe, wait for the inquiry removal.

Re: Inquiries Falling Off!?

Anonymous — Thu, 02 Apr 2020 00:21:36 GMT

OP that's where I was in February - had an inquiry hit two years that month. The first Saturday of March it dropped off of EX.

Re: Inquiries Falling Off!?

M_Smart007 — Thu, 02 Apr 2020 01:00:05 GMT

@Anonymous wrote:
If I app for a Chase card, will chase give any negative weight to these 2 year old inquiries?

I only have 1 inquiry in the past year!

Thanks!

@Anonymous ..Your Internal history with Chase coupled with 1 scoreable inquiry and your scores,

I would just app for what you want... ( long as your utilization is in check and you have income.)

also if it aligns with your spend in meeting a SUB?

Chase is not going to look at 2 inquiries more than 12 months old. .. JMHO

Re: Inquiries Falling Off!?

DoogieBall — Sat, 04 Apr 2020 14:10:01 GMT

@AllZero wrote:
IIRC 1st Saturday of the following month or something like that.

Good to know. Time to mark the calendar. Lol