How Long Do Credit Inquiries Stay On Report

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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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How Long Do Hard and soft inquiries stay on Your Credit Report? Hard inquiries are inquiries by creditors who’ve requested your report after you’ve applied for credit with them. These inquiries stay on your report for two years. Too many inquires, which are generated when you apply for credit, can be viewed as negative and hurt your credit score.

How Long Do Hard Inquiries Stay on Your Credit Report? Hard inquiries stay on your credit report for two years, but they only typically impact your score for up to one year. They’re listed on your report as a request for new credit, so having too many presents the element of risk.

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 · How Long Do Credit Inquiries Stay on Your Credit Report? Your quick answer is this: Credit inquiries stay on your credit report for a maximum of 2 years-but they’ll only impact your fico credit score for a maximum of 12 months.

Inquiries will remain on your report for up to two years and can only be removed if proven to be fraudulent or erroneous. If you believe an inquiry is either inaccurate or fraudulent, we recommend filing a formal dispute with the credit bureaus whose reports are affected, as well as following the other steps laid out in our guide to dealing with unauthorized inquiries.

 · Credit inquiries stay on your credit report for a maximum of two years-but they’ll only impact your FICO credit score for a maximum of 12 months. But.

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