Credit Inquiries - falling off soon

[Zippy9]

I have been doing the battle to improve my credit score and overall credit health. 23 months ago I bought a vehicle and due to my score at the time I needed inquiries with 5 banks. Those 5 scores will be dropping off soon obviously and I wanted to see if it will have an impact on my score. 

I've read that the inquiry is only impactful for the first 12 months and that the bureaus will group inquiries if it appears to be rate shopping, but with multiple models I didn't know if that was always the case. 

thank you in advance!

[thornback]

Hi and welcome to the forums!

If the inquiries are 23 months old then there will be no gain when they drop from the record in the next month.  You've already recouped your points when they aged to 365 days - and this applies to all FICO scoring models.

[Zippy9]

Thank you!