Probably a dumb question but I am still learning the game. I understand that they "fall" off your credit report after 24 months, but what exactly does that mean? They obviously are all still on my credit card report but I'm wondering exactly what effect that has, does the score go up? Do my total number of inquires go down as far as the creditors are concerned. I have some cards now that are at the around the 12-18 month mark and some less than that

From what I gather I only have a few inquiries that are still affecting my score credit card wise as they are less than 24 months old, is that correct?

Thank you, and I was not too sure where to put this.

Thanks again FT, learning a lot