Hard Inquiry 'Falling Off' Question

Girlzilla88 · ‎03-04-2021

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! Thank you

(12/2018 REFI) 2017 Chevy Malibu -Ga's Own CU 60 months @ 3.49%

Y2K Home -PennyMac FHA 30/yr @ 3.875% (05/2019)

thornback · ‎03-04-2021

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 | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

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.

Girlzilla88 · ‎03-04-2021

@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 Thank You

OmarR · ‎03-04-2021

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

EQ=850 TU=849 EX=850 0/24 UTIL=$1 AZEO

USAA Limitless VISA (1.5% Everyday Non-category) $24,000

Paypal MC (2% Everyday Non-Category) $10,000

US Bank+ VISA (5% Dept Stores & Phone) $12,000

Fort Knox Credit Union VISA (5% Gas) $13,500

Vantage West VISA (5% Costco) $10,000 & (DW- 5% Utilities) $10,000

Chase Freedom VISA (5% Rotating Categories) $12,000

Discover IT (5% Rotating Categories) $10,500

Citi Dividend MC (5% Rotating Categories) $10,3000

Nusenda Platinum Rewards VISA (5% Rotating Categories) $13,900

thornback · ‎03-04-2021

@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 | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

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.

Girlzilla88 · ‎03-04-2021

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