Account hard inquiries

[Anonymous]

How long will it take until I gain points back due to too many inquiries over a short period of time.

[thornback]

hi TJ5 - 

A full year from the date of the inquiry.   

Inquiries will remain on your reports for 2 years, but become unscorable after 12 months. 

[Hockeypnc1]

So, someone can expect to GAIN points as inquiries fall off?

[Anonymous]

Thanks

[thornback]

When inquiries hit their 1 year mark, they become unscoreable and points lost are regained.    They don't fall off your reports though till they reach 24 months (25 months on Experian). 

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@Hockeypnc1 wrote:

So, someone can expect to GAIN points as inquiries fall off?

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[Anonymous]

Thanks. I’ve called Experian recently and had two 23 month inquiries removed. They took them as disputes ‘too old’ and removed then by the next Morning. No questions asked.

[thornback]

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@Anonymous wrote:
Thanks. I’ve called Experian recently and had two 23 month inquiries removed. They took them as disputes ‘too old’ and removed then by the next Morning. No questions asked.

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Yes,  I should have clarified -- they'll typically remove early upon request - but if you don't request, they'll fall off naturally in the 25th month for Experian.