mikesmith
New Member
Cash: $ 1.45
Posts: 6
Joined: 06 Oct 2005
Location: New England
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| credit card inquiries... |
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How long do credit card inquiries stay on credit report?
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Thu Oct 06, 2005 5:07 pm |
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Rolo
Yo' Daddy
Cash: $ 309.70
Posts: 1551
Joined: 13 Mar 2005
Location: Colorado/Florida
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What kind of inquiries?
"Expect me when you see me."
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Thu Oct 06, 2005 11:53 pm |
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chiron
Contributing Member
Cash: $ 11.54
Posts: 49
Joined: 10 Feb 2005
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Rolo's right to inquire as to what kind for the sake of explicit response, but if I can play the odds, the most common sorts of inquiries are not worth bothering over ("soft" inquiries from creditors you already have tradelines with, you pulling your own credit, etc).
The "hard" inquiries tend to hit a score for about 3-5 points right off, but from my experience tend to drop in about 2 years altogether and have a faster rate of decay than other kinds of credit dings - applying for a c/c, home loan, auto loan, new cell phone, that sort of thing in the "hard inquiry" category. Note that when you're shopping for a mortgage for example, you can have multiple inquiries from different lenders "count as one" for, if I recall correctly, something like 14 consecutive days?
I don't have a large amount of empirical data that I'm going from here, just a bunch of anecdotal experience, so please others hop in and correct me if I am off a bit here or there.
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Thu Oct 13, 2005 7:26 am |
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