Inquires and FICO

[Jccflat]

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

[thornback]

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. 

[Jccflat]

Is it visible wen lenders approve based on a SP ?

[thornback]

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.

[dragontears]

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]

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@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.

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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?

[Jccflat]

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