Inquiry anniversary date

[Anonymous]

When exactly will an inquiry stop affecting a FICO score? Say my last inquiry was July 31, 2011. Will it cease to affect my score on August 1, 2012? August 31, 2012? September 1, 2012?

[pizzadude]

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@Anonymous wrote:

When exactly will an inquiry stop affecting a FICO score? Say my last inquiry was July 31, 2011. Will it cease to affect my score on August 1, 2012? August 31, 2012? September 1, 2012?

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It should stop affecting your score on August 1, 2012, but will remain visible on your reports for one additional year.

[Anonymous]

even though it would stop affecting your score after a year it also has minimal impact on your score towards the end of the year. so dont go expecting huge gains on its one year mark

[pizzadude]

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@Anonymous wrote:

even though it would stop affecting your score after a year it also has minimal impact on your score towards the end of the year. so dont go expecting huge gains on its one year mark

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I don't know for certain that inquiry damage fades over the course of time like late payments. 

[Anonymous]

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@pizzadude wrote:

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@Anonymous wrote:

even though it would stop affecting your score after a year it also has minimal impact on your score towards the end of the year. so dont go expecting huge gains on its one year mark

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I don't know for certain that inquiry damage fades over the course of time like late payments. 

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ill find out for sure in about 2 mos i have 7 inquiries on eq due to hit one year within a 2 week span so i guess ill see what the impact will be

[Anonymous]

I just had two inquiries hit the one year mark with no change on Ex Plus score.

[pizzadude]

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@Anonymous wrote:

I just had two inquiries hit the one year mark with no change on Ex Plus score.

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I'm pretty sure that FAKOs follow their own rules about scoring inquiries, different time period, etc...

[Anonymous]

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@pizzadude wrote:

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@Anonymous wrote:

I just had two inquiries hit the one year mark with no change on Ex Plus score.

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I'm pretty sure that FAKOs follow their own rules about scoring inquiries, different time period, etc...

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You're probably right but I can't confirm without tip-toeing out of the garden, LOL!

[Anonymous]

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@Anonymous wrote:

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@pizzadude wrote:

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@Anonymous wrote:

I just had two inquiries hit the one year mark with no change on Ex Plus score.

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I'm pretty sure that FAKOs follow their own rules about scoring inquiries, different time period, etc...

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You're probably right but I can't confirm without tip-toeing out of the garden, LOL!

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you havent pulled any ficos to confirm?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@pizzadude wrote:

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@Anonymous wrote:

I just had two inquiries hit the one year mark with no change on Ex Plus score.

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I'm pretty sure that FAKOs follow their own rules about scoring inquiries, different time period, etc...

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You're probably right but I can't confirm without tip-toeing out of the garden, LOL!

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you havent pulled any ficos to confirm?

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The pulls are only on Ex.