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Question By
E02893

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Inquiries on credit report
It appears that 2 hard inquiries on my record may be all that stands in the way of my having a perfect score ,850. I understand the reasons that heavy inquiries may represent credit issues but that in itself jumps to possible wrong conclusion. In my case I take any free interest cards when making major purchases and always pay the debt in full way before the free interest person is gone. Thus I have wisely used credit and the penalty of the inquiry lasts 2 years as a negative on me. I believe the system needs to recognize this and at least remove the inquiry when a zero balance is reached on that line. Lord knows enough time and programming is done to detect anything negative so how about the same for folks with excellent credit?

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From what I understand, Hard inquiries only affect your FICO scores for 1 year, even though the inquiry remains on your reports for 2 years. In my opinion there is no way that 2 inquiries are causing you any score depression, there are a multitude of things that calculate a perfect credit score.

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