Inquiries between 1 and 2 years old

[NYC_Fella]

I know that they appear on your reports but supposedly don't count toward your score. Can they still have an impact on credit decisions? E.g., if I have no inquiries for the past 12 months but have 20 in the preceding 12 months, would those still be a negative factor?

The reason I'm asking is that I already have 5 inquiries this month and might want to take a flyer on a few more before retiring to the garden for a year at the end of this month. Will this flurry of 13-month-old inquiries come back to haunt me when I'm back in the "market" in November 2022?

[Brian_Earl_Spilner]

Yes, depending on the lender, it can still impact the decision. That's actually the position I'm in right now. CLIs and apps denied for too many inquiries. Approximately 17 per bureau, about 2/3 over a year old.

[SUPERSQUID]

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@NYC_Fella wrote:

I know that they appear on your reports but supposedly don't count toward your score. Can they still have an impact on credit decisions? E.g., if I have no inquiries for the past 12 months but have 20 in the preceding 12 months, would those still be a negative factor?

The reason I'm asking is that I already have 5 inquiries this month and might want to take a flyer on a few more before retiring to the garden for a year at the end of this month. Will this flurry of 13-month-old inquiries come back to haunt me when I'm back in the "market" in November 2022?

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I have the same problem, 20/12 but at the end of this month i will be 5/6 5/12 20/24.

I was hoping after 12 months there would be a major difference but after reading this thread the air just came out of my balloon

[Iusedtolurk]

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@NYC_Fella wrote:

I know that they appear on your reports but supposedly don't count toward your score. Can they still have an impact on credit decisions? E.g., if I have no inquiries for the past 12 months but have 20 in the preceding 12 months, would those still be a negative factor?

The reason I'm asking is that I already have 5 inquiries this month and might want to take a flyer on a few more before retiring to the garden for a year at the end of this month. Will this flurry of 13-month-old inquiries come back to haunt me when I'm back in the "market" in November 2022?

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It's true they become "Unscorable" at 12 months but they don't become "Unviewable" until 24 months to inquiry sensitive creditors.

I have been unofficially gardening for quite some time now.

I have one inquiry due to drop off tomorrow (Oh Yeah)  leaving  me with...

Experian      0/24

Equifax        1/24     (due to drop off 1st week of Nov 2021)

Transunion 1/24     (due to drop off 1st week of March 2022)

So by April 2022 I will be Zero Zero Zero

It's been so hard not to apply for some great pre-approved offers but I'm playing around with the idea of buying a house in the future and I know (with the knowledge acquired through this forum) New accounts/Inquires/Lost of AAoA etc. is not welcomed with open arms by the Mortgage score gods.

My mortgage scores right now are Ex-750/Eq-748/Tr-717 and I'm not currently practicing Azeo.

[Anonymous]

Depends on the lender whether this will impact any decisions. Some are INQ sensitive some are Less sensitive. Its an indicator of credit seeking along with established new accounts. Another factor that may arise is the number of new accts in relation to INQs. A bunch of INQs and few new accounts may signal to a UW that no lenders are willing to risk extending credit to that particular individual. Some profiles are stronger and this may have less of an effect over time. Depends on the profile. Dirty/thin profiles are usually best advised to manage INQs more carefully. Again this is also lender specific. Research and DPs are key.