Hard inquiries at each of the three major reporting agencies falloff after 2 years. Although inquiries have no impact to a person's FICO credit score after they reach 12 months of age, I am still concerned about inquiries over 12 months old. In this thread I'd like to collect datapoints as to the timing of when hard inquiries fall off of a person's credit file.
From February 2007 Leeskey711 posted a question regarding when inquiries fall off naturally (not through bumpage or via dispute)archived post. From that thread I saw the following datapoints (2Cor521 is contrary to the 24 month standard rule): I am concerned about old (13-24 month) inquiries because so many issuers have customized statistical models which may include a formula trending credit inquiries. If a 12-month pattern exists (i.e., 23 month old inquiries = 18, 11 month inquiries = 14), could an issuer be less likely to approve you? |

