12 month old inquiries

[CreditPoor]

Have a couple 12 month old inquiries. I know they stop being factored after a year, but does this happen the month of or the actual date of the inquiry?

[Jordan23ww]

They should stop negatively affecting your score once they hit 12 months old.  I've even seen some be removed from my MyFico 3-Bureau report on the 1st day of the month that they are due to turn 12 months old even if I applied later on in the month 12 months ago.  For example I applied 3/19/23 but when my report came out on 3/1/24 they were no longer on there.  

[GZG]

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@CreditPoor wrote:

Have a couple 12 month old inquiries. I know they stop being factored after a year, but does this happen the month of or the actual date of the inquiry?

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for FICO scoring purposes, it's the date, you don't need the whole month to roll over. 

experian might wait until the 25th month for inquires to fall off at 2 years, but score wise, it's the date.

[CorpCrMgr1]

@Jordan23ww I used to apply for CC at the end of the month for aging and an early non affecting my score. It worked well enough.

[coldfusion]

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@GZG wrote:

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experian might wait until the 25th month for inquires to fall off at 2 years, but score wise, it's the date.

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Experian does wait until the 25th month and does a bulk purge of all aged-out inquiries once each month, on a Saturday, something like whatever Saturday it is that month that falls between the 3rd and 9th.

[SouthJamaica]

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@CreditPoor wrote:

Have a couple 12 month old inquiries. I know they stop being factored after a year, but does this happen the month of or the actual date of the inquiry?

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The date before the actual inquiry date. I.e., an April 25, 2023, inquiry drops off on April 24, 2024.