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Zack2000

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Hard inquiries--In REAL LIFE--how long does your score suffer?
Most google searches say hard inquiries stick around for 24 months on your report but only affect the score up to 5 points for 12 months. Is that just generalized info? A couple of folks report that the dip in score only lasted 3-6 months. Would love to hear from some of you. One hard pull. How long before score returned to normal?

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It depends on the person, Inquiries do stay on reports for 2 years/24 months and they do drop the score 5 points. The score drop only happens after more than 4 inquiries within a year's time. Then, it is 3-5 points for every hard inquiry after those 4 (meaning when you hit inquiry 5). If you have any positive items reporting monthly then that is why some may say it is only a few months because those positive accounts are maturing and make up for that possible one inquiry or two within that time span.

As stated though, credit scores do fluctuate due to lots of companies using their own scoring algorithms based on their company alone, or their algorithms based on fico, vantage,etc.

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Keep in mind that there really isn't a "normal" score, they will always fluctuate depending on what you are doing with your credit. Hard inquiries cause no damage after one year and are removed when two years old.

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