Originally Posted by
sdsearch
Just because it's still on your credit report, doesn't mean a particular bank looks that far back.
How far back a bank looks is a totally separate question.
For example, Citi looks back only 6 months (typically wanting no more than about 6 or 7 inquiries on your report in that time).
So true, some banks are more lax while others like ex: Barclay is more strict as they look back further and in more detail, also their recon line is also very strict and often unforgiving once judgement is made.