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I have 4 inquiries on my Experian credit report that went over the 2 year mark last month. How long do they stay on my credit report? I thought they automatically fall off once they hit the 2-year mark!?
Any guidance is greatly appreciated.
Thanks.
Peace!
@AllZero wrote:IIRC 1st Saturday of the following month or something like that.
This is what I remember as well, Experian does 2 years + 1 month and they remove things on the first Sat/Sun of the month
Excellent.
Thanks for the information!!
If I app for a Chase card, will chase give any negative weight to these 2 year old inquiries?
I only have 1 inquiry in the past year!
Thanks!
@Anonymous wrote:If I app for a Chase card, will chase give any negative weight to these 2 year old inquiries?
I only have 1 inquiry in the past year!
Thanks!
Your profile looks solid. As long as you are under 5/24, I think you should be okay. If you really want to play it safe, wait for the inquiry removal.
OP that's where I was in February - had an inquiry hit two years that month. The first Saturday of March it dropped off of EX.
@Anonymous wrote:If I app for a Chase card, will chase give any negative weight to these 2 year old inquiries?
I only have 1 inquiry in the past year!
Thanks!
@Anonymous ..Your Internal history with Chase coupled with 1 scoreable inquiry and your scores,
I would just app for what you want... ( long as your utilization is in check and you have income.)
also if it aligns with your spend in meeting a SUB?
Chase is not going to look at 2 inquiries more than 12 months old. .. JMHO
@AllZero wrote:IIRC 1st Saturday of the following month or something like that.
Good to know. Time to mark the calendar. Lol