How Many Years Do Credit Report Inquiries Impact Your Score?

Lynn Martelli
Lynn Martelli


Each time you apply for credit, be it for a new line of credit or a significant financial undertaking like a home mortgage, the lender initiates an inquiry on your credit report. These inquiries have the potential to influence your credit standing, prompting the question: How long do these hard inquiries linger on your credit report, and what impact do they wield on your credit score? It is essential to comprehend the implications of these credit report entries, especially in instances where multiple inquiries occur within a condensed timeframe.

This blog seeks to provide clarity on the lifespan of inquiries and their repercussions on credit scores.

Understanding Hard Credit Inquiries

Hard inquiries materialize when you actively seek new credit, be it a credit card, mortgage, or any other line of credit. The initiation of a hard pull is standard practice for potential lenders assessing your creditworthiness. Instances triggering hard inquiries include applying for a rental agreement, a mortgage, refinancing, or an auto loan. Unlike soft inquiries, which do not influence your credit score, hard inquiries have a more significant impact, potentially affecting your credit score for up to a year.

Decoding Duration: How Long Hard Credit Inquiries Stick Around

  • Standard Timeline: Hard inquiries persist on your credit report for a fixed duration of two years, documenting instances when lenders accessed your credit history.
  • Temporary Impact and Exceptions: The consequential impact on credit scores may be noticeable for only a year, occasionally even just for a few months. Lenders may express concern over an excess of hard inquiries in a short timeframe, signifying potential financial instability. Notably, there are exceptions to this rule.
  • Rate Shopping Consideration: In cases of rate shopping for significant loans, such as mortgages or car loans, multiple inquiries within a specific timeframe (typically 14 to 45 days, depending on the credit-scoring model) may be amalgamated as a single hard inquiry. This accommodation recognizes consumer behavior when comparing rates with different lenders, preventing undue impacts on credit scores during this essential decision-making window.

What’s the Impact of Hard Inquiries on Your Credit Score?

  • Understanding the Point Deductions: A hard inquiry may cause your score to drop by no more than five points, and your scores should rebound within a few months if you already have good credit.
  • Contextualizing Hard Inquiries: In the grand scheme of credit score calculations, the number of hard inquiries isn’t a predominant factor. Credit scoring models primarily consider payment history, credit utilization, total debt, length of credit history, credit mix, and new credit. The impact of hard inquiries is relatively minor compared to other contributing factors.
  • Varying Impact Factors: A single hard inquiry usually results in a slight, temporary decrease, ranging from 2 to 5 points. For individuals in the early stages of building credit or those with a limited credit history, the impact may be more noticeable than for individuals with longer credit histories.

Addressing Inaccuracies to Mitigate the Impact of Hard Inquiries

How to get hard inquiries removed due to inaccuracies?

Follow these steps to address and rectify any inaccuracies promptly:

  1. Check Your Credit Reports: Obtain comprehensive credit reports from Equifax, Experian, and TransUnion via Examine the “Hard Inquiries” section for discrepancies or unauthorized entries.
  2. Identify Inaccurate Inquiries: Scrutinize your report for inaccuracies, noting errors like incorrect lender names, unauthorized access, and document details for each inquiry, including the lender’s name and date.
  3. Submit Removal Request: Draft a letter to credit bureaus outlining inaccuracies and explicitly requesting removal. Include supporting documentation (proof of unauthorized access or incorrect information). Send the letter via certified mail with a return receipt for tracking.
  4. Monitor Progress: Keep tabs on the dispute letter’s progress and follow up with credit bureaus if necessary. Credit bureaus are obligated to investigate claims within a specified timeframe.
  5. Contact the Lender: If inaccuracies persist, directly contact the lender. Provide evidence of errors and request the lender to notify each credit bureau for removal.


It’s crucial to recognize that while hard inquiries leave a footprint, their effects are manageable and can be mitigated with informed credit practices. By proactively monitoring your credit reports, addressing inaccuracies promptly, and strategically managing your credit applications, you can empower yourself to navigate the credit landscape with confidence.

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