No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
They count against your score for 1 year and drop off after 2 years (tomorrow)
Elexi21 wrote:I have 3 hard inquiries on my credit report dated 9/13/05...I thought I heard somewhere that they "drop off" your credit report after two years. Is that correct?
Yes. So Happy Birthday and Farewell to those inqs tomorrow. Even better, they stopped factoring into your FICO score a year ago. The score only counts inqs from the past 12 months.
Elexi21 wrote:
I have 3 hard inquiries on my credit report dated 9/13/05...I thought I heard somewhere that they "drop off" your credit report after two years. Is that correct?
No fused, you are confused. It's the reverse. The inqs appear on the CRs for 2 yrs. but only count for one for scoring. I suppose they might count against you on a manual review if you have 50 inqs between 12 - 24 months previously.
fused111 wrote:
So what you're saying is they count against you for two years but only stay on your reports for one year??