Credit report inquiry
Date: Tue, 10/05/2010 - 07:03
I know that most inquiries stay on your credit report for 2 years. If the 2 year window has passed, and the inquiry is still on my report, how do I get rid of them? Will this improve my score?
Usually, hard inquiry will remain on your credit report for 2 ye
Usually, hard inquiry will remain on your credit report for 2 years. It will hurt your credit score adversely. You can dispute it with the credit bureau to remove the hard inquiry from your credit report.
There is no statutory requirement for the deletion of inquiries
There is no statutory requirement for the deletion of inquiries from your CR at any time. Deletion of inquiries after two years is general CRA policy, but not a requirement. As such, I would handle it by way of informal communication with the CRA rather than as a dispute.
Inquiries are not scored by FICO after one year, so inclusion in your CR is not impacting your credit score.