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Inquiries Falling Off!?

Genius
Established Contributor

Inquiries Falling Off!?

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!

~~~Rebuilding Score History~~~
Starting Ficos: EX 541, EQ 493, TU 523 (07/02/2016)
Latest Ficos: EX 762, EQ 784, TU 764 (03/28/2020)
Goal Ficos: EX 800, EQ 800, TU 800 (12/31/2020)
~~~Credit lines~~~~
Total Open Credit Limit: $83000
Lowe's: $20000
Discover It: $15000
PenFed Pathfinder: $15000
BofA Platinum Plus: $9100
Chase Sapphire Preferred: $9000
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Message 1 of 9
8 REPLIES 8
AllZero
Super Contributor

Re: Inquiries Falling Off!?

IIRC 1st Saturday of the following month or something like that.

Message 2 of 9
dragontears
Valued Contributor

Re: Inquiries Falling Off!?


@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 

 

Scores hover around 800
Haven't been AZEO in over a year
Rome was not built in a day, neither is a good credit profile
Message 3 of 9
Genius
Established Contributor

Re: Inquiries Falling Off!?

Excellent.

 

Thanks for the information!!

 

 

~~~Rebuilding Score History~~~
Starting Ficos: EX 541, EQ 493, TU 523 (07/02/2016)
Latest Ficos: EX 762, EQ 784, TU 764 (03/28/2020)
Goal Ficos: EX 800, EQ 800, TU 800 (12/31/2020)
~~~Credit lines~~~~
Total Open Credit Limit: $83000
Lowe's: $20000
Discover It: $15000
PenFed Pathfinder: $15000
BofA Platinum Plus: $9100
Chase Sapphire Preferred: $9000
Chase Freedom Unlimited: $6400
Amazon Prime Store Card: $5000
BofA Cash Rewards: $1500
Capital One Platinum: $1500
Home Depot: $500

My Credit Rebuild


Take the myFICO Fitness Challenge
Message 4 of 9
Genius
Established Contributor

Re: Inquiries Falling Off!?

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!

~~~Rebuilding Score History~~~
Starting Ficos: EX 541, EQ 493, TU 523 (07/02/2016)
Latest Ficos: EX 762, EQ 784, TU 764 (03/28/2020)
Goal Ficos: EX 800, EQ 800, TU 800 (12/31/2020)
~~~Credit lines~~~~
Total Open Credit Limit: $83000
Lowe's: $20000
Discover It: $15000
PenFed Pathfinder: $15000
BofA Platinum Plus: $9100
Chase Sapphire Preferred: $9000
Chase Freedom Unlimited: $6400
Amazon Prime Store Card: $5000
BofA Cash Rewards: $1500
Capital One Platinum: $1500
Home Depot: $500

My Credit Rebuild


Take the myFICO Fitness Challenge
Message 5 of 9
AllZero
Super Contributor

Re: Inquiries Falling Off!?


@Genius 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.

Message 6 of 9
ImTheDevil
Community Leader
Senior Contributor

Re: Inquiries Falling Off!?

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.



Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | PenFed PCR | Navy Platinum | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





TCL $112,400 | Agg. Util under 10%
Message 7 of 9
M_Smart007
Epic Contributor

Re: Inquiries Falling Off!?


@Genius 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!


@Genius  ..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

 

 




Message 8 of 9
DoogieBall
Regular Contributor

Re: Inquiries Falling Off!?


@AllZero wrote:

IIRC 1st Saturday of the following month or something like that.


Good to know.  Time to mark the calendar.  Lol



R.I.P Cards

TU Early Exclusion -5 months -65 pts
EX Early Exclusion -3 months -82 pts
EQ Early Exclusion -2 months -135 pts



Message 9 of 9
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