Credit Inquires

[sguerra923]

Just curious how long does inquires stay on your credit report? I did some research and sites are saying a year.. does anyone know exactly? Thanks in advance..

[jennordhavn]

2 years...but only affects FICO for 1 year. Some lenders don't like to see a lot (what constitutes a lot varies from lender to lender).

[sguerra923]

2 years...but only affects FICO for 1 year. Some lenders don't like to see a lot (what constitutes a lot varies from lender to lender).

Cool thanks for the info..

[Intoodeep80]

What Ive been reading, and I wanted to pass this by the folks here at bkforum... but apparently if you have hard inquiries on your credit report and you did not request credit initiating the hard inquiry, you can dispute the 'involuntary' inquiries and have them successfully removed.

I have 14 hard inquiries on my Experian (about 6 of those are legitimate and I take full responsibility for their placement) but the other 8 or so were from creditors & collection agencies before/shortly after I filed bk checking my credit for whatever reason. I think Im going to research it a little further and try to dispute those 'involuntary' ones.

[sguerra923]

What Ive been reading, and I wanted to pass this by the folks here at bkforum... but apparently if you have hard inquiries on your credit report and you did not request credit initiating the hard inquiry, you can dispute the 'involuntary' inquiries and have them successfully removed.

I have 14 hard inquiries on my Experian (about 6 of those are legitimate and I take full responsibility for their placement) but the other 8 or so were from creditors & collection agencies before/shortly after I filed bk checking my credit for whatever reason. I think Im going to research it a little further and try to dispute those 'involuntary' ones.

Interesting info! Thanks