ATT Inquiry from 2009

[Juan123]

On equifax it seperates  the inquiries from the ones that do and do not affect my score, i have an inquiry from 2009 that's still affecting my score.... and a few others from early 2010. is there anyway to get them removed or to stop affecting my score? if i try to dispute them they all come back as validated.... thanks

[pizzadude]

Check your report again ~ inquiries stop hurting your FICO score at the one year mark.    There is no way that an inquiry from 2009 is lowering your FICO score.

Also, with the 2010 inquiries, unless they were from December 2010 they will not affect your FICO score either.

Inquiries will show on your report for two years, but will only ding your score for one year.

[Juan123]

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@pizzadude wrote:

Check your report again ~ inquiries stop hurting your FICO score at the one year mark.    There is no way that an inquiry from 2009 is lowering your FICO score.

Also, with the 2010 inquiries, unless they were from December 2010 they will not affect your FICO score either.

Inquiries will show on your report for two years, but will only ding your score for one year.

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im already aware of that, looking at my EQ report right now. They have one list "Inquiries still affecting score" and one that says "Inquiries not affecting your score"

ATT is under affecting my score, a long with one from citibank may 2010 and chase march 2010.

[llecs]

Are you looking at your EQ FICO report, though? It won't show on that. EQ's services do show the full 2 years' worth of inquiries. I never trusted EQ's services to interpret my FICO and found some of their info incorrect like listing month and year for AAoA, inquiries for 2 years, utilization, etc.

[pizzadude]

My Equifax CR pulled from equifax.com has two categories of Inquiries:

1)  Inquiries that may impact your credit rating.   ( these are hard inquiries, only the ones within one year will ding your score )

2)  Inquiries that do not impact your credit rating.   ( soft inquiries )