How long does it take for a hard inquiry to show up on your credit report?

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asked Feb 5, 2018 in Credit by Whison (280 points)
How long does it take for a hard inquiry to show up on your credit report?

When you apply for a loan or credit card and the loan or credit card company pulls your credit score how long does it take for the hard inquiry to show up on my credit report?

1 Answer

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answered Feb 5, 2018 by Adf289 (61,630 points)
I've had hard inquiries show up on my credit report the next day after applying for a loan or credit card.

The hard inquiry can drop your score by 7 points but the hard inquiry is usually removed from your credit report within 2 months but sometimes sooner.

Once the hard inquiry is removed from your credit report then your credit score should go back up to where it was before.

Avoid applying for too many loans or for too much credit since too many hard inquiries and loan applications can cause your credit score to go down a lot.

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