Explanation
Hard inquiries stay on a credit report for two years but typically affect scores for about 12 months, with the largest impact in the first 30–60 days.
Multiple inquiries for the same loan type within a short window (typically 14–45 days) are usually de-duplicated into a single inquiry for scoring purposes — known as 'rate shopping' treatment.
Examples
- •Mortgage application
- •Auto loan application
- •New credit card application
- •Some apartment rental applications
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