Inquires and FICO

Jccflat · ‎11-11-2019

Do they count inquires older than 12 month old FICO 8 or 9 as negative?

thornback · ‎11-11-2019

Inquiries become unscoreable once they reach 365 days old so they no longer affect scoring at that point -- though they remain visible on your reports for 2 years.

Lenders, however, may consider the number of visible inquiries - regardless of age - when making a credit decision.

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.

Jccflat · ‎11-11-2019

Is it visible wen lenders approve based on a SP ?

thornback · ‎11-11-2019

Yes. But most lenders only care about the last 6 months - some others the last 12 months. Very few would consider the last 2 years unless they just didn't like your overall profile but needed a "valid" excuse to deny you.

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.

dragontears · ‎11-11-2019

By the very definition a SP can not be seen by lenders, only by the consumer when they get their free annual credit reports.

thornback · ‎11-11-2019

@dragontears wrote:
By the very definition a SP can not be seen by lenders, only by the consumer when they get their free annual credit reports.

I read it as OP asking if hard inquiries can be seen by lenders via a soft pull of their reports.

OP - can you clarify that Q please?

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.

Jccflat · ‎11-11-2019

I read it as OP asking if hard inquiries can be seen by lenders via a soft pull of their reports.

Yes it’s Exactly what I meant