Question : How long does a credit inquiry stay on my credit report?
I recently checked my credit report and noticed that three credit inquires I made this December (MC, Discover & Visa) were still on my report. How long do they stay?
- asked by jwthornhill1965
All Answers:
Answer #1
THEY ARE ALWAYS THERE, THAT'S WHY THEY CALL IT ACREDIT HISTORY!
- answered by wingshooter08
Answer #2
FOREVER!!!! BOOWAAAHAAAA! SATAN HAS TEMPTED YOU!
- answered by Destined Martyr
Answer #3
A Credit "Inquiry" that is where someone requestsyour credit report stays on there for 2 years fromdate of inquiry.But the older they are the lesseffect they have. Most people can usually have2-3 but more than that might start looking bad.
- answered by OC1999
Answer #4
they stay for about 6 months....stop checking,though...everytime you have your credit pulled(excluding insurance& medical & junk) you loseabout 3 points off of your score. You lost 9points for those inquiries!!!!
- answered by autumn
Answer #5
I've seen inquiries stay on for 12-18 months. Usually only the most recent ones affect yourcredit score and then only if there are a lot ofthem all at once.
- answered by zcommodore
Answer #6
A loooooooooooooooooooooooooooog time!
- answered by Shari
Answer #7
I've been in finance for over four years now. Iunderstand that you want to know how long theinquiry will be on your record. But really itdoesn't matter. I'm sure you've heard thatinquiries are bad, that's not really the casethough. The reason that your score dips a littlewhen you have inquiries is because years agopeople only went to their local bank for anytransactions (loans, cards, etc.) so when you hada lot of inquiries it looked like you were lookingeverywhere for money and no one would give youany. Credit scores are supposed to reflect risk,and if no one would give you money then you werehigh risk. In the last few years the bureaus havedecreased the significance of inquiries becausethese days everyone checks their credit all thetime. It doesn't reflect risk anymore. If youcheck your credit 8-10 times in a month, ya, itwill dip. But for what your talking about, itshouldn't be an issue. Just check your creditwhen your serious about getting something, anddon't just apply everywhere just for fun andyou'll be golden.
- answered by Tim D
Answer #8
Please ignore the response that said that yourscore drops for making your OWN inquiry. That istotally FALSE! When you run your own creditreport it does NOT show up when lenders make aquery and does NOT affect your credit score.
- answered by bostonianinmo
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