Hi All,
Has there been a change to inquiry removal timeframes? I got a notification on CK that I had an inquiry removed. It is from August 18, 2021 from when DH and I were buying our house and it is gone on all three bureaus. I am hoping this is a new thing and I will have a couple more removed in a few weeks.
Has anybody noticed this?
@coldfusion wrote:See if it returns tomorrow. CK sometimes screws things up and then catches and corrects the error themself the next day.
Nothing has changed about the policies regarding inquiries and FICO scoring and inquiry deletion from ones credit report.
It could be that the issuer themselves has screwed up, and if they did and don't (bother to) correct the mistake count it as a nice win.
I pulled my 3 reports from here the 20th and they aren't there. I have inquiries 9/2/21 and 9/8/21, so we will see when those dates approach. I wonder if it has to do with how they are coded. These were from Factual Data, coded Miscellaneous. These next two are Finance/Personal. I'll update this post unless someone comes through with any information.
I thought I was going crazy and was going to start my own thread, my inquires from this time last year all fell off my reports that I just got from myFICO as well. Only 1 year old and they are gone now. I understand that after 1 year they no longer affect your score but they should be reported for 2 years.
I pulled my reports from annualcreditreport.com and they still have them but it was just a few days prior to my report update from myFICO so I'm going to check those out again soon as right now they are letting you pull your reports weekly because of the pandemic.
Just confirming it's not just CK doing it.
-edit-
Just reviewed my Transunion report from annualcreditreport.com that I check on 8/21/22 and my car loan from 1/28/2021 is not reported anymore there either. NFCU pulled Transunion for the loan as I cross referenced it with myFICO reports and it was definitely on there for the reports updated on 11/28/21 but not on the updated report for 2/24/22 just 3 months later and at that point the car loan was just under 1 year old and the inquiry by all accounts should have still been reporting. So this isn't even something new and now I'm wondering if this isn't some COVID related thing or what? I tried to google it and got no where.
8/8/25
@Lou-natic wrote:I thought I was going crazy and was going to start my own thread, my inquires from this time last year all fell off my reports that I just got from myFICO as well. Only 1 year old and they are gone now. I understand that after 1 year they no longer affect your score but they should be reported for 2 years.
I pulled my reports from annualcreditreport.com and they still have them but it was just a few days prior to my report update from myFICO so I'm going to check those out again soon as right now they are letting you pull your reports weekly because of the pandemic.
Just confirming it's not just CK doing it.
-edit-
Just reviewed my Transunion report from annualcreditreport.com that I check on 8/21/22 and my car loan from 1/28/2021 is not reported anymore there either. NFCU pulled Transunion for the loan as I cross referenced it with myFICO reports and it was definitely on there for the reports updated on 11/28/21 but not on the updated report for 2/24/22 just 3 months later and at that point the car loan was just under 1 year old and the inquiry by all accounts should have still been reporting. So this isn't even something new and now I'm wondering if this isn't some COVID related thing or what? I tried to google it and got no where.
Interesting, thank you for this information! I went to google as well and didn't find anything. This is great news!
Honestly, I'm starting to beleive that if INQs aren't part of your score after just a year, they really shouldn't be reported longer than that anyway.
I can't find a single "rule" that says inquires have to be reported for 2 years. All the documentation that I find says "up to 2 years" which is not the same thing.
@Lou-natic wrote:Honestly, I'm starting to beleive that if INQs aren't part of your score after just a year, they really shouldn't be reported longer than that anyway.
I can't find a single "rule" that says inquires have to be reported for 2 years. All the documentation that I find says "up to 2 years" which is not the same thing.
There is no law at all that says how long they can remain, typically the CRAs themselves set the rules on inquiries. As we know they dont affect Fico after 1 year, this keeping inquiries for 2 years is something rather newish as in the 80s, 90s and early 2000s they only remained onfile for 1 year.
@gdale6 wrote:
@Lou-natic wrote:Honestly, I'm starting to beleive that if INQs aren't part of your score after just a year, they really shouldn't be reported longer than that anyway.
I can't find a single "rule" that says inquires have to be reported for 2 years. All the documentation that I find says "up to 2 years" which is not the same thing.
There is no law at all that says how long they can remain, typically the CRAs themselves set the rules on inquiries. As we know they dont affect Fico after 1 year, this keeping inquiries for 2 years is something rather newish as in the 80s, 90s and early 2000s they only remained onfile for 1 year.
See I didn't pay so much attention to things like my credit report in the early 2000s so I don't know honestly. It makes sense though. As really if Chase wants to know if you opened say 5 cards in the last 24 months they don't really need a inquiry list, they can look at all the accounts and then what date they were opened to see how many accounts and what type you have opened in the last 24 months anyway. Honestly that data in the report makes the inquiry section redundant so what is the point exactly? If it's just a "summary" then it doesn't need to be reported at all. It seems to be just another "gotcha" to artificially deflate people's scores. If you are denied credit after a HP, it shouldn't be anybodies business except for the bank that denied it, as it was their UW that ultimately decided to deny the credit. But that HP is there ostensibly for 2 years for every other lender to see, which means they include it in their UW criteria...which seems a bit suspect to me.
Anyway, here's a link to the FCRA if anybody else wants to take a dive.
https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act
