So you’re wondering how long a credit inquiry stays on your credit report? First off, let me tell you, an inquiry is only listed on your credit report when you apply for credit. Checking your own credit will not count as an inquiry. There are two different kinds of inquiries; 1) Soft Credit Inquiries – where you’re not applying for credit, but someone looks at your credit. This would be something done by an insurance agency. Soft inquiries do not show up on your credit report. When you check your own credit, it’s counted as a soft inquiry.  2) Hard Inquiry – This is the kind of inquiry that shows up on the credit report. This is when you apply for credit with a bank or lender.

How Long Do Inquiries Stay On My Credit Report?

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