How Long Do Hard Inquiries Stay on Your Credit Report






Your credit report plays a crucial role in your financial life. It contains a comprehensive record of your credit history, including information about your credit accounts, payment history, and inquiries made by lenders. These inquiries are classified into two main categories: hard inquiries and soft inquiries. In this article, we will focus on hard inquiries and explore how long they stay on your credit report, why they matter, and their impact on your credit score.

Understanding Hard Inquiries

Hard inquiries, also known as hard pulls or hard credit checks, occur when a lender or financial institution reviews your credit report to make a lending decision. They typically happen when you apply for a new credit account, such as a credit card, auto loan, personal loan, or mortgage. Hard inquiries are an essential part of the credit evaluation process for lenders, as they help assess your creditworthiness and determine the risk of lending to you.

How Long Do Hard Inquiries Stay on Your Credit Report?

Hard inquiries are not permanent entries on your credit report, and they do have a finite lifespan. In the United States, hard inquiries remain on your credit report for a duration of two years. This means that for two years from the date of the inquiry, a hard inquiry will be listed on your credit report. After this period, it should automatically be removed.

It’s important to note that the impact of hard inquiries on your credit score diminishes over time. While the inquiry itself remains on your credit report for two years, its significance in terms of affecting your credit score decreases as time passes. Lenders typically focus on your recent credit behavior and inquiries when making lending decisions.

Why Do Hard Inquiries Matter?

Creditworthiness Assessment: Lenders use hard inquiries to assess your creditworthiness and determine the risk of lending to you. They want to ensure that you are a responsible borrower who is likely to repay the debt as agreed.

Risk Evaluation: Multiple hard inquiries in a short period can signal to lenders that you might be actively seeking credit. This could be interpreted as a higher risk for some lenders, as it may indicate potential financial instability.

Credit Utilization: Each hard inquiry might lead to the opening of a new credit account. This can impact your credit utilization rate, which is the ratio of your credit balances to your credit limits. High credit utilization can negatively affect your credit score.

Credit Score Impact: While a single hard inquiry typically has a minor impact on your credit score, multiple inquiries in a short time frame can lead to a more substantial credit score drop. It’s crucial to manage and space out credit applications wisely.

The Impact of Hard Inquiries on Your Credit Score

Hard inquiries have a variable impact on your credit score, depending on several factors:

Number of Inquiries: The more hard inquiries you have, the greater the potential negative impact on your credit score. A single inquiry usually has a minor effect, but multiple inquiries in a short period can be more damaging.

Credit History: If you have a limited credit history, hard inquiries can have a more significant impact on your credit score, as there is less historical data for the credit bureaus to consider.

Type of Credit: The impact of hard inquiries can vary depending on the type of credit you’re applying for. For example, mortgage or auto loan inquiries may have a different impact than credit card inquiries.

Credit Score: If you have a high credit score, a hard inquiry’s impact may be less severe compared to someone with a lower credit score.

Recent Credit Behavior: Recent negative credit behavior, such as late payments or delinquencies, can magnify the impact of hard inquiries.

It’s worth noting that hard inquiries typically result in a temporary drop in your credit score, and this effect tends to lessen over time. As the inquiries age and are eventually removed from your credit report after two years, your credit score should recover.

Managing Hard Inquiries

While hard inquiries are a natural part of the credit application process, it’s essential to manage them wisely to minimize their impact on your credit score:

Apply for Credit Sparingly: Only apply for new credit when necessary and when you are confident you meet the lender’s requirements. Multiple applications in a short period can raise red flags with lenders.

Rate Shopping: If you’re shopping for a specific type of credit, such as a mortgage or auto loan, multiple inquiries for the same type of credit within a short timeframe (typically within 14-45 days, depending on the credit scoring model) are often treated as a single inquiry. This allows you to compare offers without damaging your credit score significantly.

Check Your Credit Report: Regularly review your credit report to ensure that all inquiries listed are accurate. Dispute any inquiries that you believe are incorrect or unauthorized.

Understand the Impact: Before applying for credit, it’s beneficial to understand how hard inquiries may affect your credit score. This knowledge can help you make informed decisions about when and where to apply for credit.


Hard inquiries play a vital role in the credit evaluation process, helping lenders assess your creditworthiness. While they remain on your credit report for two years, their impact on your credit score lessens over time. By managing hard inquiries wisely, applying for credit when necessary, and being mindful of their potential consequences, you can maintain a healthy credit profile and make informed financial decisions. It’s always advisable to consult with a financial advisor or credit counselor for personalized guidance on managing your credit effectively.