How long does a credit inquiry affect a FICO score?

Answer Credit inquiries stay on your credit report for two years, but they only impact your FICO score for one year. The only inquiries that impact your FICO score are the applications for credit that you... Read More »

Top Q&A For: How long does a credit inquiry affect a FICO score

Does FICO inquiry affect my credit score?

The credit scoring guidelines of 2009 calculate an individual's credit score based on payment history, amount owed on open accounts, length of credit history, types of credit and new credit. Inquir... Read More »

How much will a credit check affect your FICO score?

A company you already do business with, a potential employer or a pre-approved credit offer may perform a soft pull. These inquiries do not affect your FICO score. A hard pull is a result of a cred... Read More »

How long will a foreclosure affect my FICO score?

On One Hand: Seven YearsLike most other credit records contained in your credit report, a foreclosure will remain on your credit score for seven years. After seven years have passed, it will be rem... Read More »

How long does bankruptcy affect a credit score?

According to the Office of the Comptroller of the Currency, a bureau of the U.S. Treasury Department, the Fair Credit Reporting Act permits a credit bureau to report a bankruptcy for 10 years after... Read More »