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Hard Inquiry 'Falling Off' Question

Girlzilla88
Valued Contributor

Hard Inquiry 'Falling Off' Question

I know they 'fall off' at 2 years my question is are they supposed to fall off at the 1st of the following month or a day after the date so for example I have a February 13th 2019 that is supposed to fall off in March 2021, but it's still showing so does it fall off on March 14th?!     I know some changes happen at the 1st of the month so I just want to make sure I am understanding this correctly!   Smiley Very Happy     Thank you 










5 REPLIES 5
thornback
Senior Contributor

Re: Hard Inquiry 'Falling Off' Question

On EQ and TU they fall of 24 months to the day.  Experian decided they would keep a record for 25 months - so it will fall off March 13th. 

 

You won't gain any points from removal though - all points from inquiries are regained when they age to 365 days. 

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 11/2020: EX 780 ✦ EQ 771 ✦ TU 781
Current FICO 9s | 11/2020: EX 793 ✦ EQ 780 ✦ TU 778
2020 Goal Score | 800s


My AAoA: 3.8 years not incl. AU / 4 years incl. AU
My AoOA: 7.10 years not incl. AU / 9.10 years incl. AU
Inquiries: EX 0/6 | 1/12 ✦ EQ 1/6 | 2/12 ✦ TU 0/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 2 of 6
Girlzilla88
Valued Contributor

Re: Hard Inquiry 'Falling Off' Question

@thornback      I figured the point part already came back I just like to see them come off as a small victory XD      But that is interesting to know Smiley Very Happy    Thank You










Message 3 of 6
OmarR
Established Contributor

Re: Hard Inquiry 'Falling Off' Question

If it's Experian, it will fall off this Sat March 6th.

    EQ=850        TU=837         EX=837      INQ=0/0/0     UTIL=$1        AZEO


Message 4 of 6
thornback
Senior Contributor

Re: Hard Inquiry 'Falling Off' Question


@OmarR wrote:

If it's Experian, it will fall off this Sat March 6th.


^^That's right.  I forgot the first sat of the month thing--  my badd.  Thx @OmarR 

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 11/2020: EX 780 ✦ EQ 771 ✦ TU 781
Current FICO 9s | 11/2020: EX 793 ✦ EQ 780 ✦ TU 778
2020 Goal Score | 800s


My AAoA: 3.8 years not incl. AU / 4 years incl. AU
My AoOA: 7.10 years not incl. AU / 9.10 years incl. AU
Inquiries: EX 0/6 | 1/12 ✦ EQ 1/6 | 2/12 ✦ TU 0/6 | 1/12
Report Status: Clean


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 5 of 6
Girlzilla88
Valued Contributor

Re: Hard Inquiry 'Falling Off' Question

@OmarR     Yes it is EX and cool!    Thank you!   XD










Message 6 of 6
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