Credit Inquiries - How Do They Age?

[daybreakgonesXe]

Hey everyone, I have a question about credit inquiries.

We all know that credt inquiries lose their spunk at the 6 month mark, stop effecting FICO drops at the 1 year mark, and completely fall off by the 2 year mark.

HOWEVER! Is this to the day, or to the month? Does it vary by credit bureau on how they physically age?

For example, I have an inquiry on TU that hits the 2 year mark on July 27. I also have an inquiry that hits the two year mark on August 6th on EX, and two that hit the one year mark on August 2nd and August 7th.

Will these officially drop off/lose FICO effect to the day? Or will those july/august ones only reflect by the start of the next month?

Thanks everyone

[myjourney]

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@daybreakgonesXe wrote:

Hey everyone, I have a question about credit inquiries.

We all know that credt inquiries lose their spunk at the 6 month mark, stop effecting FICO drops at the 1 year mark, and completely fall off by the 2 year mark.

HOWEVER! Is this to the day, or to the month? Does it vary by credit bureau on how they physically age?

For example, I have an inquiry on TU that hits the 2 year mark on July 27. I also have an inquiry that hits the two year mark on August 6th on EX, and two that hit the one year mark on August 2nd and August 7th.

Will these officially drop off/lose FICO effect to the day? Or will those july/august ones only reflect by the start of the next month?

Thanks everyone

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In my case it always been to the day. However I have had times when they dropped off a week or two early hope this helps 

BTW I saw your drawing and am so happy your doing other things in school Lol

Financial planning maybe another choice too since you have remarkable insight but please no more drawing ROFLOL

[daybreakgonesXe]

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@myjourney wrote:

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@daybreakgonesXe wrote:

Hey everyone, I have a question about credit inquiries.

We all know that credt inquiries lose their spunk at the 6 month mark, stop effecting FICO drops at the 1 year mark, and completely fall off by the 2 year mark.

HOWEVER! Is this to the day, or to the month? Does it vary by credit bureau on how they physically age?

For example, I have an inquiry on TU that hits the 2 year mark on July 27. I also have an inquiry that hits the two year mark on August 6th on EX, and two that hit the one year mark on August 2nd and August 7th.

Will these officially drop off/lose FICO effect to the day? Or will those july/august ones only reflect by the start of the next month?

Thanks everyone

---

In my case it always been to the day. However I have had times when they dropped off a week or two early hope this helps 

BTW I saw your drawing and am so happy your doing other things in school Lol

Financial planning maybe another choice too since you have remarkable insight but please no more drawing ROFLOL

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LOL that's actually not my drawing! it's a meme reaction XD

but honestly, my drawing is that bad, if not worse...anything that has to do with the "arts" i should simply stay away from XD

Also thank you for the insight! It's been a while since I had an inquiry fall off while I was heavily monitoring my reports, so I totally forgot how they worked :X

[Anonymous]

Mine always fell off to the day. 

[Anonymous]

Really? To the day? Mine have almost always fallen off the next month. I.E. an inquiry that hit two years old on 7 June wasnt off my report until sometime around 4 July. BUT my lates have always fallen off 1-3 months early. :-)

[InvincibleSummer3]

IME, it depends on which CRA you're talking about. I have USAA's CMS, and pull daily. TU and EQ fall off to the day. EX falls off the 1st of the month following.

Kind of an annoyance, which is why I noticed it.