Inquiries still on credit report after 2 years

[Anonymous]

I thought credit inquiries only stayed on for 2 years..I pull my credit report today and the inquiries from 3/14/2010 to 3/19/2010 are still listed. I pull my report from each bureau using the free one we get once a year...

[llecs]

This is on EX, right?

[Anonymous]

Yes, does Experian take a little longer for it to update? Thanks for replying. 

[pizzadude]

They should be gone by month end.   Sometimes they don't get dropped until the calender rolls over to a new month.

[st3v3n]

It will fall off on the first day of April 2012. Just have some patience.

[Anonymous]

Keep in mind that they have no legal requirement to remove them after 2 years.  This is just  a standard practice that is followed to keep database storage requirements down.  The CRAs have decided that most creditors won't care about inquiries more than 2 years old so to limit space needed to store them, they delete after 2 years.  If it stays on longer than 2 years for whatever reason, there isn't much you can do to change it.  Either way, FICO stops scoring them after 1 year, so I wouldn't worry about them.

[RobertEG]

+1

Just as there is no way to legally challenge the administrative deletion of accounts from your credit file after they have been closed for approx. 10 years.

Its just CRA administrative policy for their own benefit, not the consumer's.

[Anonymous]

Thanks guys, when I pulled my credit report from experian itself, under the inquiry it says " Permissible purpose. This inquiry is scheduled to continue on record until Apr 2012." So maybe ill go ahead and pull my report tomorrow to check. 

[Anonymous]

---

@Anonymous wrote:

Thanks guys, when I pulled my credit report from experian itself, under the inquiry it says " Permissible purpose. This inquiry is scheduled to continue on record until Apr 2012." So maybe ill go ahead and pull my report tomorrow to check. 

---

In my experience things that are scheduled to go away in a certain month don't go away on the first of the month.  It could still be there until April 30th.

[Repo-ed]

Heck I forgot that today is Apr 1, I should see if any more of mine fell off.