The Credit Thread

It’s generally believed that common FICO scores like FICO 8 don’t even look at inquiries older than 12 months. Within that timeframe, inquiries #7 and beyond are also ignored.

Further, the net FICO score impact of 1 or 2 or 3 or 4 or 5 or 6 inquiries ranges between almost nothing and actually nothing, and multiple inquiries for the same purpose within a short timeframe (commonly 30 days, but the duration varies by FICO model) count as one anyway.

There are very few things less important on a credit report than how many inquiries you have.

An incorrect employer name is one example, but even that isn’t very much less meaningful.

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