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Bruins63

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Will my credit score increase after hard inquiry expires?
I have two expiring and was wondering if my credit score would go up due to them expiring

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daman7

The simple answer is yes. And it should be immediate.

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No, inquiries affect score for one year

By "expiring" you mean the two years is almost up, right? They stay on your report for two years, but they are only factored into your score for one year. Inquiries becoming a year old should improve your score, but dropping off your report altogether... probably not. 

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Score won't change, report will improve

Although your score most likely won't change when the inquiries drop off, there are other benefits to consider. If any of those inquiries ended in denial, potential creditors won't be able to see that anymore. Credit-seeking behavior is considered high-risk, and inquiries are a quick way for a creditor to assess whether you are "credit-hungry" or not. Remember, the score isn't everything. An improvement in the content of your report is something to be happy about too!

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