Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Karma
Profile Image

Question By
MBSCGEK

0 Contributions
0 People Helped
how long credit inquiry last
How long does a credit inquiry last on a credit report esp if it had a negative impact and can a person request to have it removed from their credit report ?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
988 Contributions
550 People Helped

Generally you can't remove inquiries.  If you don't want an inquiry then you should avoid applying.  Disputing an inquiry can lead to unintended consequences and bigger problems then the impact of the inquiry.  If one inquiry has a significant negative impact for you then the inquiry isn't the problem.  Your real problem are bigger issues with your credit profile that you should address.

Inquiries remain on reports for 2 years but lose their scoring impact after 1.  However, a creditor can certainly consider an inquiry on a credit report even if it has no scoring impact.  It's never just about score.  Score is just one thing that a creditor considers.  You entire credit profile always matters.

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.