@Anonymous wrote:
My point was if they only score it for 1 year, then clearly there is no real basis for it to show for 2 years. And the fact that once the account starts showing on the credit report for monthly updates, the newness of the account is reflected.
I may be not being fully clear or maybe I didn't fully understand your initial question
When you say that "they" only score it for 1 year, I am guessing you mean FICO. And you are right. FICO's algorithms only score inquiries for their first year. But FICO doesn't own the data. The data belongs to the three bureaus. And the bureaus don't exist to serve FICO, though perhaps it can seem that way. The credit bureau data is the real primary thing -- FICO's scores are just one interpretation of that data. Vantage make credit scores that interpret the data and Vantage considers inquiries for the full two years. And then, as I said earlier, undwerwriters who manually review reports may have policies that involve considering all two years of the inquiries.
So far twelve have reported. Oh, plus a new car that hit me with twelve inquiries.