No FICO score points for falling off at the end of their two-year life span.
Inqs only count in scoring for 1 year, although they continue to display on non-FICO reports for two. (FICO reports don't display them in year two, because they're irrelevant to your score.)
Score changes vary widely. A sole inq might not be hurting at all. The 36th inq out of 36 isn't hurting at all. So it's when the aging of that inq leaves you with only X number left that you'll see a score change. And your guess is as good as mine as to what number X might be.
As if that weren't vague and useless enough, the effect on your scores will also vary according to how long you've had credit and how high (or low) your scores already are. Those new to credit are expected to apply for credit, so they aren't hit as hard for applying, and therefore they aren't rewarded as well when each inq hits one year. Conversely, those with much longer histories have big penalties for applying, and thus big rewards when it reaches a year.
And so on and so on. Nothing is simple in FICO land!
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
