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.
I'm including a couple of 2007 quotes as a start.
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): 2Cor521 said: Inquiries in the last 12 months on my Equifax report the inquiries drop off right on the 12 month mark. Sithlordabe said: ... EQ and TU have been known to drop some earlier [than 2 years] (they stay 25 months on EX and NEVER drop off before then)
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?
USBank seems to primarily use VISA ICS (my 2008 experience) to track applications at a given address. Will other issuer model's be trained to spot an AOR/arbitrage gamer?
retmil
Senior Member
posted: Jul. 23, 2009 @ 5:59p
TU- Bump them all off with a non TU based credit monitor. EQ- Dispute them all off online. EX- Initiate fraud alert, speak to special handling, tell them to remove them, try and get the fraud alerts off that are on all three bureaus now. (good luck)
Now you don't have to worry about "customized statistical models which may include a formula trending credit inquiries".
jackcrawfish said: USBank seems to primarily use VISA ICSCitiBank consults ICS when investigating "risky" credit behavior and overall exposure at a given household address
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