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Account hard inquiries

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Account hard inquiries

How long will it take until I gain points back due to too many inquiries over a short period of time.
Message 1 of 7
6 REPLIES 6
Valued Contributor

Re: Account hard inquiries

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. 

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/06/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 10/01/2019: EX 747 ✦ EQ 728 ✦ TU 756
Current FICO 9s | 10/01/2019: EX 765 ✦ EQ 765 ✦ TU 758
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2019 Goal Score | 760s


My AAOA: 2.8 years not incl. AU / 2.11 years incl. AU
My AoOA: 6.8 years not incl. AU / 8.8 years incl. AU
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Tending my Garden til 2/2020


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 2 of 7
Established Contributor

Re: Account hard inquiries

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

Message 3 of 7
Member

Re: Account hard inquiries

Thanks
Message 4 of 7
Valued Contributor

Re: Account hard inquiries

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). 

 


@Hockeypnc1 wrote:

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


 

 

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/06/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 10/01/2019: EX 747 ✦ EQ 728 ✦ TU 756
Current FICO 9s | 10/01/2019: EX 765 ✦ EQ 765 ✦ TU 758
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2019 Goal Score | 760s


My AAOA: 2.8 years not incl. AU / 2.11 years incl. AU
My AoOA: 6.8 years not incl. AU / 8.8 years incl. AU
Report Status: Clean

Tending my Garden til 2/2020


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 5 of 7
Member

Re: Account hard inquiries

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.
Message 6 of 7
Valued Contributor

Re: Account hard inquiries


@TJ5 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.

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.

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/06/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 10/01/2019: EX 747 ✦ EQ 728 ✦ TU 756
Current FICO 9s | 10/01/2019: EX 765 ✦ EQ 765 ✦ TU 758
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2019 Goal Score | 760s


My AAOA: 2.8 years not incl. AU / 2.11 years incl. AU
My AoOA: 6.8 years not incl. AU / 8.8 years incl. AU
Report Status: Clean

Tending my Garden til 2/2020


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 7 of 7
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