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Do Inquiries Become Unscoreable at 1 Year Month Beginning or Specific Date of Month?

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Regular Contributor

Do Inquiries Become Unscoreable at 1 Year Month Beginning or Specific Date of Month?

Just wondering if inquiries become unscoreable on the 1st of the month acquired or if it's the specific day of the month acquired?

Example: I have a BUNCH of inquiries from December 29th of 2018. If I was going to get the points back from the inquiries, would it be at the beginning of December, on the 29th of December, or not until the following month?

I hope this makes sense...
Chapter 7 DC 10/23/18
Starting FICO 8 11/22/18

Current FICO 8 10/08/19

GOAL 680 by 12/19
Current FICO 9 09/28/19

Student loans and car payments reporting positive

2 REPLIES 2
Super Contributor

Re: Do Inquiries Become Unscoreable at 1 Year Month Beginning or Specific Date of Month?


@Kathyups wrote:
Just wondering if inquiries become unscoreable on the 1st of the month acquired or if it's the specific day of the month acquired?

Example: I have a BUNCH of inquiries from December 29th of 2018. If I was going to get the points back from the inquiries, would it be at the beginning of December, on the 29th of December, or not until the following month?

I hope this makes sense...

It's my understanding that they drop off as of the date of the inquiry, rather than beginning or end of month.


Total revolving limits 720500 (594000 reporting) 10/2/19 FICO 8 scores: EQ 744 TU 782 EX 746
Message 2 of 3
Super Contributor

Re: Do Inquiries Become Unscoreable at 1 Year Month Beginning or Specific Date of Month?

365 days of age and it becomes unscoreable.  When during the month that happens isn't a relevant factor the way it is with age of accounts factors.

Message 3 of 3
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