Does your credit score go up when a hard inquiry drops off?

Does your credit score go up when a hard inquiry drops off?

By: Michael 

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Understanding the dynamics of your credit score is crucial for financial health. One common concern that often arises is the impact of hard inquiries and their eventual drop-off. In this comprehensive guide, we delve into the intricacies of credit inquiries, exploring questions such as “Does your credit score go up when a hard inquiry drops off?” and “How long does a hard inquiry stay on your credit?” to provide you with a clear understanding of this crucial aspect of your financial profile.

Answering the Questions

Entering the world of credit inquiries, we aim to provide clarity on common concerns such as the effect of hard inquiries on credit scores. From pondering, “Does your credit score go up when a hard inquiry drops off?” to understanding the duration of these inquiries, we’ll unravel these intricacies and explore strategies for informed financial management. Join us as we demystify the impact of credit inquiries and empower you to make sound decisions for your financial well-being.

Yes, your credit score may experience an increase when a hard inquiry drops off your credit report. Hard inquiries typically stay on your report for about two years, and as they approach this timeframe, their impact diminishes. Once a hard inquiry is removed, you may observe a gradual improvement in your credit score.

Credit Basics Hard Inquiries

What is a Hard Inquiry?

A hard inquiry, also known as a hard pull or hard check, occurs when a lender checks your credit report with the intention of making a lending decision. This commonly happens when you apply for a loan or credit card.

How Long Does a Hard Inquiry Stay on Your Credit?

Hard inquiries typically remain on your credit report for about two years. However, the impact on your credit score is most significant within the first few months and gradually lessens over time.

The Impact on Your Credit Score:

How Many Points Does a Hard Inquiry Affect Your Credit Score?

The exact impact of a hard inquiry on your credit score can vary, but on average, it may cause a temporary decrease of around 5 to 10 points. However, the effect tends to diminish over time, especially as the hard inquiry approaches the two-year mark.

Factors Influencing the Impact:

Several factors influence how much a hard inquiry affects your credit score. These include your overall credit history, the number of inquiries made, and the type of credit you’re applying for.

The Credit Score After a Hard Inquiry Drops Off:

Does Your Credit Score Go Up When a Hard Inquiry Drops Off?

Yes, your credit score can experience an increase when a hard inquiry drops off your credit report. As the two-year mark approaches, the impact diminishes, and once the inquiry is removed, you may see a gradual improvement in your credit score.

Strategies to Mitigate the Impact:

While hard inquiries are a natural part of the credit application process, there are strategies to minimize their impact. Consolidating loan applications, spacing out credit applications, and being selective about new credit endeavors can help.


In conclusion, the relationship between hard inquiries and your credit score is dynamic. Understanding the nuances of how long a hard inquiry stays on your credit, the immediate impact it has, and the subsequent improvement once it drops off is essential for informed financial decisions. By staying aware of your credit profile and implementing strategic practices, you can navigate the world of credit inquiries with confidence, ensuring a positive trajectory for your credit score over time.

Welcome! I’m Michael, the founder of AIA Credit Repair, and I want to help people. It wasn’t that long ago, when I realized that life’s unknowns and challenges were holding me back. When I committed to reaching my goals, fixing my credit became a crucial step. Let me teach you what I learned, so you can take the steps to fix your credit and open up more opportunities for you and your family! There’s nothing more liberating than empowering others to transform their lives. No matter the challenge, AIA Credit Repair is here, cheering you on as you excel like never before!

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