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Comenity Inquiry- how long to drop off?

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New Contributor

Comenity Inquiry- how long to drop off?

I have a JCrew card that I have built up to a solid $5,600 limit via soft pull increases over the past year or so. Decided to play again today and hit me with a hard pull this time, which I wasnt expecting.  Its my first hard inquiry in close to a year as I work on my rebuild and noticed a 4 point drop on my Equifax report today.  How long will this hard pull for the increase reflect in a somewhat negative light on my score/report?

 


Chapt7 Discharge 3/17
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Established Contributor

Re: Comenity Inquiry- how long to drop off?

Typically 2 years but depending on other factors the actual affect it has could be lower than you may think.    



















INQ's: EQ: 6 TU: 1 EX: 0 (last 24 mo.)
Recent Accounts: 7-that caused inquires (last 24 mo.)
Total CL: 14.8k Util. LOL% AAoA: 1 yrs, 4 mo.
AoOA: 5 yrs, 2 mo. AoYA: 0 yr, 3 mo.--I think I did the AA/Ao's Right LOL
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Frequent Contributor

Re: Comenity Inquiry- how long to drop off?

Everything I have read says:

"Hard inquiries on your credit — the kind that happen when you apply for a loan or credit card — can stay on your credit report for about 24 months. However, a hard inquiry won’t affect your score after 12 months, if it affects your score at all."


So while it will be on your report for 2 years and can factor with manual review it will not hurt your score after 12 months.

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