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· A hard inquiry can stay on your credit report for two years. That might seem like a long time, but on the bright side, hard inquiries will only have a.
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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.
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How Long Do Hard Inquiries Stay on Your Credit Report? Hard inquiries stay on your credit report for two years, but they only typically impact your score for up to one year. They’re listed on your report as a request for new credit, so having too many presents the element of risk.
Usually this information stays on your credit report for 6 years. However, TransUnion keeps this information on file for 7 years in the following provinces: TransUnion keeps this information on file for 10 years in Prince Edward Island.
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Even if a hard inquiry does inflict some damage to your credit scores (which isn’t a given), it probably won’t affect your credit for very long. In general, hard inquiries remain on your.
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Hard inquiries will stay on your credit report for 2 years from the date of the inquiry. Now you can take certain steps to dispute a "hard" inquiry but remember inquiries are the least important items to remove from a credit report compared to other items such as missed payments, collections and charge offs.
How long do hard inquiries stay on your credit report? Hard inquiries stay on your report for two years but, they can only affect your credit score for twelve months at most. If you have a good credit profile, hard inquiries shouldn’t make much of an impact.