When Do Hard Inquiries Fall Off Your Credit Report?


Understanding your credit report and its components is essential for managing your personal finances effectively. One important aspect of your credit report is hard inquiries, which can have a significant impact on your credit score. In this article, we will discuss when hard inquiries fall off your credit report and provide tips for minimizing their impact.

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What is a hard inquiry?

A hard inquiry, also known as a hard credit inquiry, occurs when a potential lender, credit card issuer, or service provider checks your credit report to determine your creditworthiness. This typically happens when you apply for a new loan or credit card.

Hard vs. Soft Inquiries

There are two types of credit inquiries: hard inquiries and soft inquiries. While hard inquiries result from a lender’s assessment of your creditworthiness, soft inquiries occur when you or a third party (such as a potential employer) check your credit for non-lending purposes. Soft inquiries do not affect your credit score.

Common Situations Resulting in Hard Inquiries

  • Applying for a mortgage or car loan
  • Opening a new credit card account
  • Requesting a credit limit increase
  • Renting an apartment or signing up for utilities

How Hard Inquiries Impact Your Credit Score

Your credit score is influenced by several factors, including your payment history, credit utilization, length of credit history, and types of credit. Hard inquiries are one of these factors and can affect your credit score.

Role of Hard Inquiries in Credit Score Calculation

Hard inquiries account for approximately 10% of your credit score in most credit scoring models. A single hard inquiry may cause a temporary drop in your credit score by a few points. However, multiple hard inquiries within a short period can have a more significant impact.

Difference in Impact: Multiple Hard Inquiries Over Time vs. Short Period

Credit scoring models recognize that multiple inquiries may be necessary when shopping for a mortgage or car loan. As a result, they typically treat multiple inquiries for these types of loans as a single inquiry if they occur within a short period (usually 14 to 45 days, depending on the credit scoring model).

When Hard Inquiries Fall Off Your Credit Report

Standard Time Frame for Hard Inquiry Removal

Hard inquiries typically stay on your credit report for up to two years. However, their impact on your credit score diminishes over time.

Exceptions to the Standard Time Frame

In some cases, hard inquiries may fall off your credit report sooner than two years, such as if they were a result of identity theft or if they were added to your report in error.

Tips to Minimize the Impact of Hard Inquiries

Research Rates and Terms Before Applying for New Credit

Before applying for a loan or credit card, research the rates and terms offered by different lenders. This will help you avoid unnecessary hard inquiries and select the best option for your financial needs.

Rate Shopping Within a Specific Time Frame

When shopping for a mortgage or car loan, try to submit all your applications within a short period. This will help ensure that multiple hard inquiries are treated as a single inquiry by credit scoring models, minimizing their impact on your credit score.

Building and Maintaining Good Credit Habits

Adopting good credit habits, such as making timely payments and keeping credit card balances low, can help offset the impact of hard inquiries on your credit score.

Monitoring Your Credit Report

Regularly Review Your Credit Report for Accuracy

To ensure that your credit report accurately reflects your credit history, regularly review your own credit report from the three major credit bureaus (Equifax, Experian, and TransUnion). You can obtain one free credit report every 12 months from each credit bureau at AnnualCreditReport.com.

Dispute Inaccurate Hard Inquiries

The Dispute Process

If you find any inaccurate hard inquiries on your credit report, contact the credit bureau to dispute them. The dispute process typically involves the following steps:

  • Gather supporting documentation: Collect any evidence that supports your claim, such as correspondence with the lender or proof that the inquiry was not authorized.
  • Write a dispute letter: Clearly explain the reasons for your dispute and include your personal information, the details of the hard inquiry, and any supporting documentation.
  • Send your dispute letter: Mail your credit inquiry dispute letter and supporting documents to the credit bureau via certified mail with return receipt requested. This will provide proof of delivery and help you track the progress of your dispute.
  • Follow up with the credit bureau: Credit bureaus have 30 days to investigate disputes and provide a response. If you haven’t heard back within this time frame, follow up with the credit bureau to check on the status of your dispute.

Working with a Credit Repair Company

If you’re overwhelmed by the dispute process or have multiple inaccuracies on your credit report, you may consider working with a credit repair company. These companies specialize in identifying and disputing inaccurate information on credit reports, including hard inquiries.

Before selecting a credit repair company, keep the following tips in mind:

  • Research the company: Look for customer reviews, ratings, and any history of complaints filed with the Better Business Bureau or other consumer protection agencies.
  • Understand the fees: Credit repair companies often charge a monthly fee or a one-time fee for their services. Make sure you understand the costs involved and weigh them against the potential benefits.
  • Know your rights: The Credit Repair Organizations Act (CROA) provides consumers with certain protections when working with credit repair companies. Be aware of your rights, including the right to cancel services within three days without incurring charges.
  • Be cautious of unrealistic promises: While reputable credit repair companies can help you dispute inaccuracies, they cannot guarantee a specific outcome or an improved credit score. Be wary of companies that make unrealistic promises or guarantees.

Utilize Free Credit Monitoring Services

Several free credit monitoring services are available to help you track changes in your credit score and stay informed about any new hard inquiries. Monitoring your credit can also help you detect signs of identity theft or errors on your credit report.


Understanding when hard inquiries fall off your credit report and how they impact your credit score is essential for maintaining a healthy financial profile. By adopting good credit habits, minimizing the number of hard inquiries, and regularly monitoring your credit report, you can manage your credit effectively and achieve your financial goals.

Remember, it’s important to be proactive in managing hard inquiries and maintaining a healthy credit score. Continue learning about personal finance and credit management to make informed decisions and achieve financial success.

Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.