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How Long Do Inquiries Stay On Your Credit Report

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How Long Do Hard Inquiries Stay On Your Credit Report? If you are asking the question of how long do hard inquiries stay on your credit report or how many points do credit inquiries lower your score, you are not alone. Apart from these, when it comes to hard inquiries, there are other issues that bother the mind of credit cards holders.

According to credit experts, hard inquiries stay on your report for two years, but only impact your credit score for the first year (or 12 months). But what does this mean for your actual credit.

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Hard inquiries remain on your credit report for two years from the date a creditor requests it. Credit card companies, mortgage and automobile financing companies are common sources of hard inquiries. A hard inquiry’s negative impact is relatively minimal and its effect diminishes with time.

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All credit inquiries should come off your credit report after two years. And only hard inquiries made within the past 12 months will be included in your credit score. If you’re not willing to wait, you may take these steps: step 1 First, find out which credit inquiries are getting in your way by ordering all three of your credit reports.

In general, hard inquiries remain on your credit report for 24 months. However, they are only factored into your FICO Scores for 12 months.

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How To Remove Hard Inquiries Hard inquiries technically stay on your credit report for two years, but it’s just information. The immediate damage occurs right after the inquiry shows up on your report. The damage then dissipates over time, serving just as an informational piece to future lenders.

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