How Long Inquiries Stay On Credit Report

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How long will hard inquiries stay on your report? inquiries remain on your credit reports for two years (24 months). However, hard inquiries.

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A hard inquiry, also called a hard pull, can stay on your credit report for up to two years, but its effect on your score doesn't last nearly that long.

When the lender does so, an inquiry is marked on your credit report and will remain on your report for two years. Inquiries have the potential to impact your credit scores. But not all inquiries are the same, and some can matter more than others. Credit bureaus record two types of credit inquiries, also referred to as "pulls": hard and soft.

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Other than not having a huge impact on your credit score, another positive about credit inquiries is that they will not stay on your credit report for an eternity. A hard credit pull can stay on your credit report for up to a year in most cases while affecting your credit score for up to 6 months.

Any inquiry made on your credit status is classified as ‘hard’ when you shop for mortgage loans, student loans, auto loans, and new credit cards. Hard inquiries can stay on your credit report for 24 months (2 years). However, after 12 months, it will no longer affect your credit score. Perhaps.

While credit inquiries only stay on your credit report for a maximum of two years-actively impacting your score for no more than 12 months-you should know that the FICO algorithm considers different credit inquiries in different ways.

By contrast, soft credit inquiries won't affect your scores. Read on to learn. How long will a hard inquiry stay on my credit reports? Generally.

How long does a "hard pull" affect your credit score? Find out the difference between a soft inquiry and a hard inquiry, and how long credit inquiries stay on your credit report. Inquiries remain on your credit report for two years, or 24 months, so be sure you’re not exhausting your credit score with hefty credit applications.