How long do hard inquiries legally stay on my credit report and do they stop hurting my score after a few months?
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How long do hard inquiries legally stay on my credit report and do they stop hurting my score after a few months?
1 real search · 1 real-search pass
how long hard inquiries stay on credit report 2 years impact credit score 12 months FICO official CFPBGoogle ↗
OBSERVEDConsequence
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (1)
Classes come from the query-classifier (a local Laya model). 1 of 1 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT1 real searches · gpt-6
how long hard inquiries stay on credit report 2 years impact credit score 12 months FICO official CFPB Google ↗
- The Timing of Hard Credit Inquiries: When and Why They Matter · myfico.com
- How Long Do Hard Inquiries Stay on Your Credit Report? · experian.com
- Do Credit Inquiries Lower Your FICO Score? · myfico.com
- AnnualCreditReport.com · annualcreditreport.com
- Equifax · equifax.com
- Experian · experian.com
- TransUnion · transunion.com