A hard inquiry occurs when yousomeone else, such as a potential lender, to review your profile. Potential creditors do this to weigh the risk of extending you credit or renting you an apartment. Hard inquiries remain on your Experian credit report for approximately two years,
And before you panic about how long credit inquiries stay on your credit report, you should think through whether those credit inquiries are even In the worst case, a hard credit inquiry will affect your credit report for 12 months. But the inquiry’s impact-if it even has one-will mostly affect.
Credit Checks & Inquiries Will my FICO ® Scores drop if I apply for new credit?. If your [FICO Scores] change, they probably won’t drop much. If you apply for several credit cards within a short period of time, multiple inquiries will appear on your report.