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How Long Does Information Stay on My Credit Report. Written by EFXModerator_KB on September 3, 2013.. you should always consult with the appropriate professionals who can explain your options, rights, and legal responsibilities, and advise you on any tax, legal, credit, or business.
All inquiries stay on your report for two years from the date of the inquiry. However, you can shop for the best rates and look for the best lending options for your car loan without worrying about multiple inquires affecting your credit score.
The three credit bureaus record every credit check (both hard inquiries and soft) and keep them on your report for two years. hard inquiries only impact your credit scores for one year, however-with those from the past six months counting the most against your credit score. As long as your.
That is, of course, as long as you’ve. that checking their credit too frequently will drag their score down, but this is actually a myth. Hard inquiries can harm your credit score, but these are.
If you want to protect your credit score and ensure it stays as high as possible, then it’s important to know how different credit inquiries can change your credit score.Find out the difference between a soft inquiry and a hard inquiry, and how long credit inquiries stay on your credit report.
That collection account can remain on your credit report for 7 years plus 180 days from the date your bill was due in March. Here’s the part a lot of people don’t like: Whether or not you paid the collection account, it can still stay on your report for that 7-year (plus 180 days) period.
Hard inquiries, on the other hand, are placed on your credit report whenever a business checks your credit report to approve your application for a credit card, loan or another credit-based service.hard inquiries count for 10 percent of your credit score. While they’ll stay on your credit report for two years, hard inquiries only impact your credit score for one year.
A foreclosure will remain on your credit report for seven years and bring down your credit score. After that period of time, the foreclosure mark should automatically fall off your report. A.