When do inquiries from July 16....

[bdhu2001]

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@Simba501 wrote:

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@mongstradamus wrote:

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@DaveSignal wrote:

The 1 year is from the date of the inquiry.  The 2 year fall-off from credit reports varies depending on the CRA.  Sometimes they fall-off at the beginning of the month 2 years later (equifax often does this), and sometimes you have to wait a full month later (usually Experian does this).  But, as for FICO, its one year exactly.

ETA:  there is a FICO penalty for inquiries that may read "too many inquiries within the last 12 months" if you have more than 0 inquiries.

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Is the one year date from inquiry verified? I am just curious since I had three inquiries that were supposed to hit 1 year in June,but I have yet to see any score changes and it still shows all my HP inquiries.

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I've heard that repeatedly, from several sources.  Perhaps you did not have enough inquiries to ding your scores?

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Remember the inquiry stays for 2 years, but the affect on your score happens in 1 year.

[mongstradamus]

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@bdhu2001 wrote:

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@Simba501 wrote:

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@mongstradamus wrote:

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@DaveSignal wrote:

The 1 year is from the date of the inquiry.  The 2 year fall-off from credit reports varies depending on the CRA.  Sometimes they fall-off at the beginning of the month 2 years later (equifax often does this), and sometimes you have to wait a full month later (usually Experian does this).  But, as for FICO, its one year exactly.

ETA:  there is a FICO penalty for inquiries that may read "too many inquiries within the last 12 months" if you have more than 0 inquiries.

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Is the one year date from inquiry verified? I am just curious since I had three inquiries that were supposed to hit 1 year in June,but I have yet to see any score changes and it still shows all my HP inquiries.

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I've heard that repeatedly, from several sources.  Perhaps you did not have enough inquiries to ding your scores?

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Remember the inquiry stays for 2 years, but the affect on your score happens in 1 year.

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Yeah I realize it stays two years on cr,but thought would see a bump on my fico score since it should no longer be affecting fico scores.

[kaskuli]

Sounds good. I have 4 TU inqs, and three are dropping off this month.

[vanillabean]

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@gdale6 wrote:

At the 1 year mark you may not see any change in score as it has already been reclaimed over the 1 years time, sometimes the effect of the inquiry is gone at 6 months it just depends on your CR and what bucket you are in.

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It would appear that Barry disagrees.