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How Long Do Hard Inquiries Stay on Your Credit Report?

Updated: 6 days ago

In today's world, one's credit history is a passport to financial opportunities. It can affect the ability to obtain loans, credit cards, mortgages, and even influence the terms of financing. Among the various components that shape one's credit report, hard inquiries are crucial and often misunderstood.

How long do hard inquiries stay on your credit report?

Hard inquiries, often referred to as "hard pulls," occur when a financial institution checks one's credit report to make a lending decision. These are common when one applies for a mortgage, loan, or credit card. The crucial question is: how long do hard inquiries stay on your credit report?

Credit reporting agencies typically record hard inquiries on credit reports for two years. However, their impact on one's credit score begins to diminish long before they completely fall off the report. The most significant effect is usually felt within the first few months after the inquiry takes place.

It's important to monitor the credit report regularly to ensure that all hard inquiries are documented accurately. If a hard inquiry is listed on the report beyond the two-year mark, it may be a mistake, and you have the right to dispute it with the credit bureaus.

What are hard inquiries on a credit report?

Hard inquiries are records on one's credit report indicating that a creditor has reviewed the credit history to assess creditworthiness. This happens when one applies for credit, such as a loan, mortgage, or credit card. Each hard inquiry can potentially lower the credit score by a few points, although the exact impact varies based on individual credit histories.

The rationale behind this impact is that applying for new credit can signal financial risk. If someone is seeking to take on more debt, there's an implication that they might be at higher risk of overextending financially and potentially defaulting on payments.

It is essential to differentiate between hard inquiries and soft inquiries. Soft inquiries, such as checking one's credit score or pre-approval offers, do not affect credit scores.

The impact of hard inquiries on your credit score

When creditors make a hard inquiry, they're looking for insights into one's financial behavior. These inquiries are factored into the credit score, which is a numerical representation of credit risk. Every new hard inquiry can reduce the credit score slightly, but the cumulative effect of several inquiries can be more substantial.

For most people, a single hard inquiry might lower their credit score by up to five points. However, for individuals with a short credit history or few accounts, the impact may be more significant. The rationale is that such individuals are considered less proven borrowers, and each application for new credit might suggest financial pressure or instability.

It's also important to note that the context of hard inquiries matters. For example, when shopping for a car loan or mortgage, multiple inquiries within a short period are often treated as a single inquiry. This is known as "rate shopping" and allows consumers to search for the best terms without worrying about excessive damage to their credit scores.

How to minimize the impact of hard inquiries on your credit score

Being strategic about when and how you apply for credit can help minimize the impact of hard inquiries on the credit score. Here are some tactics to consider:

  • You should only apply for credit when it's truly necessary. This avoids unnecessary inquiries that can cumulatively affect the score. Secondly, when planning to apply for a major loan, such as a mortgage, it's wise to limit other credit applications in the months leading up to it to keep the score as high as possible.

  • Another approach is to take advantage of pre-qualification offers. These typically involve soft inquiries, which do not impact the credit score. Pre-qualification can give an idea of the likelihood of approval and the possible terms without the risk of a hard inquiry.

  • Lastly, consolidating applications into a short time frame can be beneficial when rate shopping. Doing so can ensure that multiple inquiries are counted as one for scoring purposes, thereby reducing the potential impact on the credit score.

How to remove hard inquiries from your credit report

If you find hard inquiries on your credit report that you don't recognize or believe are errors, it's possible to have them removed. The first step is to request a copy of the credit report from each of the three major credit bureaus: Equifax, Experian, and TransUnion. One is entitled to one free report from each bureau every 12 months.

Upon reviewing the reports, if you identify an unwarranted hard inquiry, then you could dispute it by contacting the credit bureau directly. The bureau is then obligated to investigate the claim, typically within 30 days. If the inquiry is found to be invalid, it will be removed, which could potentially improve the credit score.

In cases where the hard inquiry is valid, it cannot be removed until it naturally expires after two years. However, its influence on the credit score will diminish over time, especially if one maintains other good credit habits.

Do hard inquiries affect credit score differently?

The impact of hard inquiries on one's credit score can vary based on individual credit history. For those with a solid credit foundation—long credit history, diverse types of credit, and a pattern of timely payments—a single hard inquiry might have a negligible effect.

Conversely, for individuals with a limited credit history or those who've made multiple credit applications in a short span, the effect can be more pronounced. This is because the scoring models may interpret frequent applications as a sign of financial stress.

Furthermore, the impact differs among the different credit scoring models. While most models consider hard inquiries a small part of the overall score, the weight given to inquiries can vary. It's also crucial for individuals to understand that while hard inquiries remain on the credit report for two years, their effect on the credit score diminishes over time, often ceasing to impact the score after one year.


Understanding how long hard inquiries stay on one's credit report and their influence on credit scores is vital for maintaining financial health. While hard inquiries can affect your credit score, their impact is temporary and diminishes over time. By applying for credit judiciously, disputing errors, and adopting good credit habits, individuals can minimize the negative effects of hard inquiries.

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