It also goes a long way in helping you to find any inaccuracies on your credit reports so you can report them and possibly have the damaging record removed and help improve your credit score. Some people overlook monitoring the hard credit inquiries found on their credit reports because they think hard inquiries don’t carry much weight.
What are inquiries and how do they affect my FICO score? Credit inquiries are requests by a "legitimate business" to check your credit. As far as your FICO score is concerned, credit inquiries are classified as either "hard inquiries" or "soft inquiries" – only hard inquiries have an affect on your FICO score.
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According to credit experts, hard inquiries stay on your report for two years, but only impact your credit score for the first year (or 12 months). But what does this mean for your actual credit.
Click through to read more about making money using your credit card It is super easy to forget to check your credit score, or be too worried to do it. Multiple credit inquiries in a short period.
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If you want to protect your credit score and ensure it stays as high as possible, then it’s important to know how different credit inquiries can change your credit score.Find out the difference between a soft inquiry and a hard inquiry, and how long credit inquiries stay on your credit report.
How long hard inquiries remain on your credit report. As I mentioned before, hard inquiries can remain on your credit report for up to 2 years. However, I’ve seen them fall off after 12 months. Another thing to keep in mind is that hard inquires can only negatively affect your credit score for up to 12 months.
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· But if you apply for, say, five credit cards over a month, that’s five different hard inquiries. You’re looking at 10 to 25 points off your score. Inquiries stay on.