How Long Do Credit Inquiries Stay On Credit Report

Bank Statement Program Mortgage Attendees can also learn from Sturdy representatives about mortgage options, including how to achieve home ownership as a first-time buyer through the Sturdy Savings Bank First time home buyer loan.

How long do hard inquiries stay on your credit report and impact your score? As a rule, you’ll want to avoid having your credit reports pulled unnecessarily. But it’s also helpful to remember that while hard inquiries typically will remain on your credit reports for two years, credit scoring models will only consider them for their first 12.

Each inquiry stays on your credit report for two years from the date it appeared. An inquiry is generated at the time the creditor pulls your credit report — however, it could take longer to show up on your credit report. Your FICO score does not include the inquiry from that pull in the credit score your lender gets.