How Long Do Inquiries Stay On Your Credit

How long does a "hard pull" affect your credit score? Inquiries stay on your credit report for two years. But, the good news is, they only impact your score for the first year. And that’s only if it’s a hard inquiry, which is when a lender pulls your report to check your credit for an application.

If you want to know how to remove inquiries from your credit report then you’ve come to the right place.. Let’s first cover the two types of inquiries and which one actually impacts your FICO Scores. Soft Inquiries. Soft inquiries also known as soft pulls do not have an impact on your scores.

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As shown in the articles here, they are on reports for two years, but have no impact after one. Inquiries actually have far less impact than your usage and payment histories do. Reply by. Anonymous.

These inquiries are made by organizations that pulled your credit report – and they can remain on your report for up to two years. I’m sure you’re already wondering if they have any connection with your credit score (they do), and what you can do about them (read on to find out)! Credit inquiries are of two kinds – hard and soft.

Inquiries stay on your credit report for two years. But, the good news is, they only impact your score for the first year. And that’s only if it’s a hard inquiry, which is when a lender pulls your report to check your credit for an application.

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Hard pulls stay on your credit report for 2 years, but they do not affect your score after 12 months. As a practical matter, they really don't have all.

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Even if a hard inquiry does inflict some damage to your credit scores (which isn't a given by any means), it probably won't affect your credit for.

Usually this information stays on your credit report for 6 years. However, TransUnion keeps this information on file for 7 years in the following provinces: TransUnion keeps this information on file for 10 years in Prince Edward Island.

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