Inquiries effect on credit score

[Anonymous]

After how long do inquiries have minimal affect on your credit score?  i've read 6 months in an article before, however my EQ report says that inquiries "over the prevoius 12 months" are having a negative affect on my score

[myjourney]

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@Anonymous wrote:

After how long do inquiries have minimal affect on your credit score?  i've read 6 months in an article before, however my EQ report says that inquiries "over the prevoius 12 months" are having a negative affect on my score

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The ding last 6-12 months YMMV 

Fico does not score them after 1 year 

They remain on CR's for 2 years 

[gdale6]

The effect is gone from FICO scoring after 12 months. The older they age thru the 1 yr period the less of a score impact they have.

[FinStar]

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@myjourney wrote:

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@Anonymous wrote:

After how long do inquiries have minimal affect on your credit score?  i've read 6 months in an article before, however my EQ report says that inquiries "over the prevoius 12 months" are having a negative affect on my score

---

The ding last 6-12 months YMMV 

Fico does not score them after 1 year 

They remain on CR's for 2 years 

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+1

A lot also depends on your file.  The thicker and more established, the less the ding.

[Anonymous]

Interesting, so say if the first 6 months has the greatest impact, one can space each inquiry just over 3 months, say 3 months + 1 week, then at each applicate date there would only be 1 inquiry during the past 6 months, and 3 inquiries during the past 12 months.  Or if you do every 4 months + 1 week, then there would only be 1 inquiry during the past 6 months and 2 inquiries during the past 12 months.