When do HP's fall-off?

Anonymous · ‎02-04-2015

Didn't exactly know where to put this. But thread title is my exact question.

I have a few from 2013 still on. Curious when they fall off. I have 12-15 total. Few of recent most from early 2014 to mid 2014.

Any help appreciated. I thought it would be around 9-18 months?

Anonymous · ‎02-04-2015

@Anonymous wrote:
Didn't exactly know where to put this. But thread title is my exact question.

I have a few from 2013 still on. Curious when they fall off. I have 12-15 total. Few of recent most from early 2014 to mid 2014.

Any help appreciated. I thought it would be around 9-18 months?

2.1 years typically.

Anonymous · ‎02-04-2015

Oh great.

Anonymous · ‎02-04-2015

They tend to have greatly diminished impact after 6 months, I've heard tell of no impact after 12 months, and fall off the report after 24 months.

juggalo9er · ‎02-04-2015

in two years

Anonymous · ‎02-04-2015

@juggalo9er wrote:
modified

Edit: modified too.

juggalo9er · ‎02-04-2015

and now that i have read them i can abide by them, post modified

Anonymous · ‎02-04-2015

Count me among the others who've read they affect you less at 6 months and that they cease to factor into your FICO score at 1 year.

chalupaman · ‎02-04-2015

@Anonymous wrote:
Didn't exactly know where to put this. But thread title is my exact question.

I have a few from 2013 still on. Curious when they fall off. I have 12-15 total. Few of recent most from early 2014 to mid 2014.

Any help appreciated. I thought it would be around 9-18 months?

They stop factoring into your FICO after a year and fall off in 2 years normally.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

Anonymous · ‎02-04-2015

Is there any reason they would fall off after a few months? I noticed 4 inquiries from last year fell off my report last month which I thought was very odd. But I also don't know how accurate it is because the info was from ck. I have no other way to see my total inquiries.