myFICO® Forums
Help
cancel
Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for 
Search instead for 
Did you mean: 

Credit Inquiries

tag
Get Access Now
NiNoMArksLA
Contributor
‎11-02-2012 03:02 PM
‎11-02-2012 03:02 PM

Credit Inquiries

How Long Intill Credit Inquiries Come Off Your Credit I Want To Take Some Off !!! Any Help

Message 1 of 6
0 Kudos
5 REPLIES 5
Anonymous
Not applicable
‎11-02-2012 03:03 PM
‎11-02-2012 03:03 PM

Re: Credit Inquiries

They fall off in 2 years but their impact on your CR is less after 6 months and again at 1 year

Message 2 of 6
0 Kudos
NiNoMArksLA
Contributor
‎11-02-2012 03:06 PM
‎11-02-2012 03:06 PM

Re: Credit Inquiries

I don't understand !
Message 3 of 6
0 Kudos
injustifiiable
Valued Contributor
‎11-02-2012 03:23 PM
‎11-02-2012 03:23 PM

Re: Credit Inquiries

@NiNoMArksLA wrote:
I don't understand !

Long story short....they stay on your report for two years. They are not factored into your score after the 1st year.

 

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 4 of 6
0 Kudos
JonStur
Established Contributor
‎11-02-2012 04:30 PM
‎11-02-2012 04:30 PM

Re: Credit Inquiries

After 6 months they begin to lose their impact on your score, HOWEVER, if you apply to a creditor that is sensitive to inquiries, they may still deny you inititially..

Starting Score: TU 595 EX 600 EQ 585
Current Score: TU 820 EX 825 EQ 812
Goal Score: 800 Club (Mission Accomplished)
Amex Platinum, Amex BCP $17.5K, 5/3 Sig $10K, Capital One Quicksilver 15K, Walmart 10K, US Bank Cash+ 15K, Sam's Club 10K, Chase Freedom $6K, Discover More $15K, Chase United Club MileagePlus $33K, Costco $6K, CapOne Quicksilver One $7K, Cap One Quicksilver $5K, Amazon $3K, Barclays $12.5K, Home Depot $7.5K, AppleCard $6K
Message 5 of 6
0 Kudos
Anonymous
Not applicable
‎11-02-2012 04:36 PM
‎11-02-2012 04:36 PM

Re: Credit Inquiries

1+

Message 6 of 6
0 Kudos
† Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.