How Long Do Credit Inquiries Stay on Credit Report

Not too long ago I wrote a post about how credit card utilization ratios impact your ability to qualify for business credit lines. In today’s post we are going to address credit inquiries, how long they stay on your credit reports, how they impact your ability to obtain new credit and more importantly how to remove them.

As you know, inquiries happen when someone checks your credit. Anytime you authorize a lender, bank or other credit grantor to review your credit it triggers a “hard “inquiry on your personal credit report.

Now keep in mind, a “hard inquiry will only show up on the credit report that the lender or credit grantor pulls from. For example, if you apply for a credit card and the card issuer pulls from Transunion then that “hard” inquiry will only show on your Transunion report. Sometimes a credit grantor may check your credit from all three major credit reporting agencies resulting in a “hard” inquiry showing up on all three of your reports.
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