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This is probably a super simple, straightforward question, but I feel like it could go one way or another, so am going to throw it out there:
If I had a few inquiries at the beginning of April 2012, should I see any potential effects on my score as a result of them aging off in April 2013 or May 2013?
Thanks. Do you know whether I'm likely to see them in April or May?
@lolabelle wrote:Thanks. Do you know whether I'm likely to see them in April or May?
You'll probably see the bumps (if any) at the one-year anniversary of each separate inquiry.
@lolabelle wrote:This is probably a super simple, straightforward question, but I feel like it could go one way or another, so am going to throw it out there:
If I had a few inquiries at the beginning of April 2012, should I see any potential effects on my score as a result of them aging off in April 2013 or May 2013?
SP do not impact your score at all so them aging off won't matter.
HP impact your score for one year but age off in 2.
I just had 4 hard inquiries age to 1 year on my TU report. Score bump of 9 points.
An just to add to personal experience of what the INQs do, albeit depending on personal history, my report dropped 2 points for 2 INQs.
“Beware of little expenses. A small leak will sink a great ship” – Benjamin Franklin
Gardening since 3-26-15
i haven't really seen the 6 months score bump for inquiries. Any bumps i got around 6 months always happen when an account hits 6 months-right at the start of the month, but never 6 months from the inquiry date. However i have seen my score change a few times right around when an inquiry hits a year and nothing else is updated recently.