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Equifax still shows Nov. 2013 Cap1 Inquiry?

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Anonymous
Not applicable

Equifax still shows Nov. 2013 Cap1 Inquiry?

I checked my Equifax CR every year (so I alternate among 3 bureaus, so I check every 3 months)

 

I saw under "Inquiries that may impact your credit rating"

 

There is a Nov 2013 Cap1 Inquiry from when I got a Cap1 CC. Why is this still showing as possibily affecting my credit rating, if its been more than a year?

 

My understanding was inquiries stay on your report for 2 years but only affect your score for 1 year.

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cashnocredit
Valued Contributor

Re: Equifax still shows Nov. 2013 Cap1 Inquiry?

Inq stay on your reports for 2 years. MyFico doesn't show Inqs older than 1 year, presumably because they don't affect scores. They do not affect FICO scores but may have an effect on other scores and creditors can see them when they pull.


I have reestablished credit over the last couple years
so my moniker is, well, rather out of date.

WM Discover $1800, WF Plat 12k, Chase Freedom Siggy18k, Amex Plat (60k H/B), Citi AA EWMC 25k
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