Inquiries Removable Exact Dates

[AyaMai]

Why there are no exact removable dates of inquiries, just the month.

COMENITYBANK/NYYANKEES

Inquiry date       Nov 2, 2023

Removal date   Dec 2025

WFBNA CARD

Inquiry date      Nov 1, 2023

Removal date  Dec 2025

FNB OMAHA

Inquiry date              Oct 10, 2023

Removal date          Nov 2025

WFBNA CARD

Inquiry date           Oct 10, 2023

Removal date       Nov 2025

[zerofire]

That looks like Experian . They remove the inquiry 2yrs and 1mo after the inquiry is made. Everyone else uses 2yr exactly. That is why the date is not listed twice.

Here is what you have:

COMENITYBANK/NYYANKEES
Inquiry date: Nov 2, 2023
Removal date: Dec 2, 2025

WFBNA CARD
Inquiry date: Nov 1, 2023
Removal date: Dec 1, 2025

FNB OMAHA
Inquiry date: Oct 10, 2023
Removal date: Nov 10, 2025

WFBNA CARD
Inquiry date: Oct 10, 2023
Removal date: Nov 10, 2025

[NoHardLimits]

I've found that Experian removes inquiries on the first or second Saturday of the 25th month.

[ElvisCaprice]

As far as score, Experian removes them exactly in one year from the date of inquiry.

[coldfusion]

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@NoHardLimits wrote:

I've found that Experian removes inquiries on the first or second Saturday of the 25th month.

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That's correct - emperically it's done on the first Saturday of the month unless that day is also the 1st or 2nd calendar day of that particular month.   

To give 2 specific examples the first Saturday of this month was Oct 4th, but next month the first Saturday is also November 1st.   This month's aged out inquiries would have been dropped on the 4th but next months should be processed on Nov 8th.  

[Thomas_Thumb]

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@ElvisCaprice wrote:

As far as score, Experian removes them exactly in one year from the date of inquiry.

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Fico scores inquiries for exactly 1 year from date created. Scoring timeframe is 1 year for Fico based algorithms and 2 years for VantageScore. 

[AyaMai]

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@coldfusion wrote:

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@NoHardLimits wrote:

I've found that Experian removes inquiries on the first or second Saturday of the 25th month.

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That's correct - emperically it's done on the first Saturday of the month unless that day is also the 1st or 2nd calendar day of that particular month.   

To give 2 specific examples the first Saturday of this month was Oct 4th, but next month the first Saturday is also November 1st.  This month's aged out inquiries would have been dropped on the 4th but next months should be processed on Nov 8th.  

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Today only one was removed of the two which was FNB OMAHA,  I have no clue why Wells Fargo not and were late in updating the monthly credit balance which occured 2 days ago and terrible as Synchrony

FNB OMAHA
Inquiry date: Oct 10, 2023
Removal date: Nov 10, 2025

WFBNA CARD
Inquiry date: Oct 10, 2023
Removal date: Nov 10, 2025

[Total_Synergy]

Hi @AyaMai, in addition to the various reporting dates (and therefore updated scores) mentioned above, for most of us growing via SP CLIs etc. given lenders often update their internal monthly pulls across different dates so it is often safest (but YMMV) to add 1 full month (30 day cycle) of 'buffer' before initiating CLIs or Apps to ensure you are getting the full boost from the refreshed score.

[Jessie]

They know exactly when the inquiry was made but not exactly when the issuer will report to the credit bureaus..that could be why. But remember, inquiries only affect your score for a year. So even though they're on there for 2 years, they shouldn't be hurting you.