An inquiry is a record that a person or company asked to access your credit file for a legally permitted purpose, most often when you apply for credit. It logs that request. It is not a verdict that you mishandled a bill. Say you opened your reports last night because a lender asked for them…
A hard inquiry generally stays visible on a U.S. credit report for up to two years, but it typically affects a FICO Score for only about 12 months. The report's visibility period and the scoring period are separate, so an older inquiry can still appear without continuing to lower the score. You may notice this…
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