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Hard Inquiries Expire?

Jerry45
Valued Contributor

Hard Inquiries Expire?

I just hit 2 years on a CC, and was wondering if TU and EQ erase HP's at 2 years exactly or later? Thanks all

Message 1 of 14
13 REPLIES 13
FroggieMom
Regular Contributor

Re: Hard Inquiries Expire?

As always, its a YMMV, but my 2 yr old inquiries for a car loan fell off right on time.  

Summer 2018 FICO 8 scores~
Gardening until 2019....at least
Message 2 of 14
Jerry45
Valued Contributor

Re: Hard Inquiries Expire?

Thanks Froggie

Message 3 of 14
JSS3
Valued Contributor

Re: Hard Inquiries Expire?

Mine always fall off two years later on the exact date.

Message 4 of 14
humuhumunukunukuapuaa
Senior Contributor

Re: Hard Inquiries Expire?

From what I have experienced, the inquiries have dropped off at the end of the month in which they were incurred, two years later. Smiley Happy



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Message 5 of 14
mattun
Established Member

Re: Hard Inquiries Expire?

I had something weird where two TU inquires that are due to expire this month vanished in April.  Then they came back a week later.  It was like they were messing with me with a mini R*.

Message 6 of 14
Jerry45
Valued Contributor

anks ARe: Hard Inquiries Expire?

Thanks JS. Thanks All

Message 7 of 14
Musiclover
Super Contributor

Re: anks ARe: Hard Inquiries Expire?

My inquiries on TU seem to fall off a little early. Both other credit bureaus the end of the month of the inquiry.


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover..
Message 8 of 14
Anusara
Senior Contributor

Re: Hard Inquiries Expire?

I know for sure by the end of the month for me. I don't focus on the exact date just month and year.

It feels good when inqs drop off.
Gardening since 10/01/18 Gardenversary 10/01/20 Score: xx/xx/xx EQ xxx TU xxx EXP xxx
Current Score: 781
Goal Score: 800
Take the myFICO Fitness Challenge
Message 9 of 14
Sandibeach22
Valued Contributor

Re: Hard Inquiries Expire?

They will fall off right on time and the ones that reach 12 months will not count toward your fico score but will remain on your report for another year.


FICOS: EQ-812 TU-811 EX-818 Goal - 840-850 Across The Board
Total Credit Lines - 506K Gardening....
"I am the master of my fate and the captain of my destiny" Nelson Mandela
Message 10 of 14
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