Hard inquiries only remain on your credit report for two years, and hard inquiries only affect your credit score and credit history for 12 months.
Because hard inquiries impact your credit score, it’s critical to know how long they stay on your credit report. Typically, no inquiry should count toward your FICO score, according to credit bureau Experian. Hard inquiries remain on an Experian credit report for about two years, for example, but only impact your credit score for one year.
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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.
Anytime you apply for credit, a lender or creditor will initiate a hard inquiry on your behalf, which can impact your credit score. If concerned about losing points, you might wonder, "How long do hard inquiries stay on your credit report?" Hard inquiries remain on your credit report for two years from the date of the inquiry.
Hard inquiries serve as a timeline of when you have applied for new credit and may stay on your credit report for two years, although they typically only affect your credit scores for one year. Depending on your unique credit history, hard inquiries could indicate different things to different lenders.
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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.
A hard inquiry will stay on your credit report for 2 years. Hard inquiries affect your FICO score for 1 year. An inquiry will not drop your credit score more than 5 points. However, in many cases it will not cause your score to drop by more than a couple points.
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. only so-called “hard inquiries” can affect your credit score. A hard credit inquiry is performed when you apply for a loan or credit card, and it will stay on your credit report for up to two.
· The Difference Between Hard and soft credit inquiries Find out how different types of inquiries affect your credit score.