Hard Inquiries after 12 months.

[claus]

Hello,

Do the credit score reduction from Hard Inquiries are restored after 12 months?  I know Hard Inquiries take 24 months to fall off completely. Just wondering if scores can come back sooner.

Thank you.

[markbeiser]

They stop being a scoring factor in FICO scores after 12 months, but they count against you for the full 24 months on Vantage scores.

[pizzadude]

Also keep in mind that your FICO score won't necessarily gain the exact number of points back when the inquiry hits 1 year old as your AAoA won't be the same and other factors such as revolving utilization. 

[claus]

Thank you.

[og-aliensfan]

Data shows that, although inquiries drop off of your reports at 24 months, all points are returned at 12 months.  If you lost 8 points due to a hard inquiry; 8 points will be returned in 12 months.

[claus]

It was about 3 to 6 points per inquiry across the big 3 for me. I observed the difference over a year.

Really thankful for a few worthless CC applications that I should have stayed away from 

There are really only 3 to 5 cards you need for anything. The rest are popularized by youtubers.