2 year inq still on CR

[bichonmom]

My EX CR is still showing an inq from 1/6/10. How long does it generally take them to remove? Funny that they dropped a 7-yr old collection a month early, but this inq remains. I'm thinking about disputing. Any advice or suggestions? Anyone have this happen to them? Thanks!

[bichonmom]

I just went online thru USAA CMS/EX dispute and when I click on that inq, it says: Comments: Permissible purpose. This inquiry is scheduled to continue on record until Feb 2012. Isn't that 25+ mos and NOT 2 yrs? Anyone have exp w/ expiring inq?

[-Cain-]

I think I've read that EQ and TU drop it at the beginning of the 24th month while EX will drop it at the end of the 24th month, so it'd fall off 2/1/12. At this point it isn't hurting your score and being so close to falling off, I don't think prospective lenders would hold it against you. See what happens 2/1 and go from there. Good Luck!

[namvet]

My Inq usually fall off the month following the reported date of fall off.  YMMV     Other have reported early fall offs but never in my case.  As i am sure you are aware that INQ over a year are not a factor in your score performance.  If they don't effect your score then why don't they just go away after a year???

[bichonmom]

Thanks for the info. I guess I'll just look forward to it coming off the beginning of Feb.

[RobertEG]

I would not dispute.  The two-year period for inquiries is purely CRA policy, and is unregulated by the FCRA.  There is no legal basis for an actual dispute.

It will  most likely drop the month after the two year period has expired.

[pizzadude]

Yep, it should drop after another few weeks.

And really there is no harm having it showing on your report, it stopped imacting your FICO score 1 year after it occured.