Originally Posted by
mileshound
Like many others, I have applied for a lot of Chase cards in the last year. I pushed my luck a few months ago for to CO card and was denied for too many inquiries (6 in 6 months, 13 in 1 yr). I have several inqueries that will be a year old in Nov.
When do those Nov inqueries drop off...after exactly a year or at the end of the month?
I really want to maximize my chance to get the CO card before it goes away.
At least my UA card is now just over 6 mo old so I can negotiate to cancel that one without fear the 50K will be taken away. I did not want to risk losing 50K in order to get 30K, even though the odds of them taking it back before were small.
Unfortunately it actually takes 2 years for hard inquiries to fall off your credit report. For Equifax and Transunion they drop off after exactly 2 years. With Experian they drop at the end of the month following 2 years. But I have heard that inquiries in the last 6 months have a much greater impact on your credit score than the ones beyond that.