How Long Will Credit Inquiries Remain On Your Credit Report

For example if somebody sues you and you lose then the debt may show up in your credit report.

How long will credit inquiries remain on your credit report. Unlike other entries on your credit report they remain for two years rather than seven years. A hard inquiry will stay on your credit report for 24 months but are only factored into your credit score for 12 months. 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. So while lenders can still see these inquiries after this period of time you don t have to worry about them dragging down your credit score after a year.

Anytime you check your credit report or score online at sites like credit karma or credit sesame it does not affect your score this is a soft credit inquiry. In most cases inquiries cease to have any significant impact on scores after just a few months. Also they can hurt your credit score for up to 12 months. Each one can stay on your credit report for up to two years but it shouldn t affect your credit scores for more than a year.

Most negative information stays on your credit report for 7 years. A credit inquiry occurs when a business runs a credit check in order to consider lending you money or offering you a line of credit. Hard inquiries on your credit the kind that happen when you apply for a loan or credit card can stay on your credit report for about 24 months. How much do hard inquiries affect your credit score.

Quite honestly you shouldn t worry too much about hard inquiries. Having several hard inquiries within a short time may have a greater impact except in certain cases more on this below. However a hard inquiry won t affect your score. A hard inquiry will ding your credit score but it won t last too long.

Most credit scoring models group inquiries are for the same type of loan like a mortgage for 14 45 days depending on the credit scoring model. Hard inquiries only remain on your credit report for two years and only affect your credit score for 12 months. However according to experian hard pulls generally stop affecting your credit score after 12 months. Inquiries remain on your credit reports for 24 months.

Typically hard inquiries will stay on your credit report for 24 months. After that they have no impact on your score. However transunion keeps this information on file for 7 years in the following provinces.