How Long Do Hard Inquiries Stay On Your Credit Report

Ed Bradley

less than a minute read

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26-03-2025

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Applying for credit, whether it's a mortgage, auto loan, or credit card, triggers a hard inquiry on your credit report. These inquiries, a record of your credit requests, can impact your credit score. But how long do they linger? Understanding the lifespan of hard inquiries is crucial for managing your credit health effectively.

The Lifespan of a Hard Inquiry

Generally, hard inquiries remain on your credit report for two years. After that period, they are removed, and they no longer affect your credit score. It's important to note that this applies to most credit reporting agencies—Equifax, Experian, and TransUnion.

The Impact on Your Credit Score

While hard inquiries do stay on your report for two years, their impact on your credit score isn't constant. The initial hit is generally the largest, diminishing over time. Credit scoring models recognize that multiple inquiries within a short period might signal financial distress, but they also understand that legitimate reasons exist for seeking multiple credit options simultaneously.

Rate Shopping and Its Implications

Credit scoring models account for this and often group inquiries together within a specific time frame (typically 14-45 days, depending on the scoring model). This means if you're "rate shopping"—comparing loan offers from multiple lenders—the impact on your score should be minimal. It's advisable to do all your shopping within a relatively short period to avoid multiple negative marks.

Strategies for Minimizing the Impact

• Check your credit report regularly: This allows you to monitor inquiries and identify any unauthorized access to your credit.
• Limit unnecessary applications: Avoid applying for credit you don't need.
• Shop around efficiently: If you need to compare offers, do it within the timeframe that is generally considered rate shopping.

The Bottom Line

Hard inquiries are a normal part of the credit process. While they remain on your credit report for two years, understanding their impact and employing effective strategies can help maintain a healthy credit score. Remember, responsible credit management is key to achieving your financial goals.