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?

jackcrawfish said:USBank seems to primarily use VISA ICSCitiBank consults ICS when investigating "risky" credit behavior and overall exposure at a given household address

Had inquiries on both TU and EX dated 7/23/2007.

The TU inquiries fell off shortly after 7/23/2009.
The EX inquiries fell off sometime between 8/6 and now.

Update: My 8/13 TU fell off 8/15, but the EX from the same day is still present.

Update 2: The 8/13 Experian has fallen off sometime in the last few days and is gone as of my 9/7 report.

Seems like Experian is fond of the first 7 days of the next month in terms of dropping inquiries.