The exclusion of inquries is not explicitly regulated under the FCRA.
It is an administative determination of the CRAs, and their normal policy is two years.
The CRAs are requried, under FCRA 609, to provide a consumer with the name of any party who made a credit inquiry for employment purposes within the prior two years, and for any other purpose with the prior one year. Thus, they could choose to remove all inquiries other than those related to employment after one year, but could not delete employment related inquiries until after two years.
That is the only statutory requirement that limits when they can delete.
Two years is likely a result of the retention requirment related to employment related inquiries.........
