When does inquiries fall off your credit report

Answer 1

Inquiries on your credit report generally fall off based on the type of inquiry:

1. Hard Inquiries: These occur when a lender checks your credit report as part of their decision-making process for a loan or credit application. Hard inquiries typically remain on your credit report for two years.

2. Soft Inquiries: These happen when you check your own credit, or when a prospective employer checks your credit as part of a background check. Soft inquiries do not affect your credit score and do not appear in reports that lenders see.

After the respective time periods, hard inquiries will automatically be removed from your credit report. If you're reviewing your credit report, it's good practice to check for any errors in the reporting of inquiries as well.