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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.
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.