Inquiries-How long are they affecting score?

[Slab]

I realize that hard inquiries stay on ones credit report for 2 years, (12 months on FICO) however, is there less impact on the score as they are aging toward 12 months. As an example, does a 6 or 7 month old inquiry affect the score very much?

[DaveSignal]

A hard inquiry starys on your report for 2 year (24 months).  It will have an effect on your score for 1 year (12 months).  Your score will recover when the inq is no longer scored (after 12 months).

[JonStur]

Although the impact on your score diminishes, some creditors still may initially deny you for having too many inqs before they fall off.

[DaveSignal]

The impact on your score does not diminish.  Ask anyone in the garden club.   You lose the points when you take the inq and get them back after 12 months.

[JonStur]

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@DaveSignal wrote:

The impact on your score does not diminish.  Ask anyone in the garden club.   You lose the points when you take the inq and get them back after 12 months.

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Overall score impact depends on other factors as well; beginning score, which CRAs, the boost you get from increased utilization, etc. For example I went on a six app spree a little over 2 months ago. Lost about 20 points across the board, I've already regained half of that and need to change the scores in my signature when I get a chance...