How Long Does Inquiries Stay On Your Credit

When you apply for credit, a lender will pull your credit report, and that action is called a "hard" inquiry. Consider the long-term savings you may be giving up before applying for new credit.

How long hard inquiries remain on your credit report. You can either do this yourself or hire a professional to remove the negative items. For this I suggest you.

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How long do inquiries and bad credit stay on your report? Inquiries. 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.

When a hard inquiry is reported, be aware that you may see a minor decrease in your credit score. This decrease will last for about a year. If you are in the market for a car or house and need to shop around for favorable loan terms, you should focus on keeping your inquiries within a 30-day time frame.

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