This is a hard inquiry. [Read: The Best Rewards Credit Cards of 2018.] A hard inquiry might lower your score from zero to five points, depending on your credit profile. For example, the score.
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Hard credit inquiries stay on your credit report for a maximum of 2 years but there is a lot of other factors involved as to how long does credit inquiry stay on your credit report which I will explain below.
Your credit is one of the most important assets you can have if you are from the US and one of the things can severely affect your credit score is a hard inquiry so it’s common for you to wonder how long do hard inquiries stay on your credit report or when do hard inquiries fall off.
A hard inquiry will generally appear on your credit report for up to 2 years (12-24 .
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Hard inquiries stay on your credit report for two years but lose their impact after 12 months. But you still need to be mindful of how these hard inquiries will make lending institutions view you as a credit applicant.
Hard inquiries occur when you grant a lender permission to pull your credit report with the hope that you’ll be able to secure a loan of some kind, such as car loans, credit cards, home loans, etc. Soft inquiries occur when you or your existing creditors check your credit report.
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Hard inquiries remain on your credit report for two years from the date of the inquiry. However, their impact is lessened significantly after a couple of months for two reasons: either you opened a new account, which becomes the focus of potential risk – or you didn’t open a new account, which means the inquiry isn’t connected to a risk.
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