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How long does the ping my credit takes when a check is preformed take to fall off my credit?

Thursday

I was wonderoing if it takes the full 7 years for the loss of points when a credit check is prefromed to be added back to my score?
I had a few credit checks when shopping for a loan. I had a score of 805 and see that it has now dropped to the 780's due to the checks. I wondered how long it would take to go back up to the previous score

I am not for sure what you mean by a “ping”. If you mean an inquiry being listed, it comes off in 24 months. If you mean a collection or unpaid bill, it takes 7 years from the date of last charge as given by your creditor.

You can review all the rules which govern Credit Bureaus and Credit Grantor’s by going to the “Fair Credit Reporting Act” on the web.

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  1. dude I
    May 7th, 2009 at 20:51 | #1
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    I am not for sure what you mean by a “ping”. If you mean an inquiry being listed, it comes off in 24 months. If you mean a collection or unpaid bill, it takes 7 years from the date of last charge as given by your creditor.

    You can review all the rules which govern Credit Bureaus and Credit Grantor’s by going to the “Fair Credit Reporting Act” on the web.
    References :
    Former Credit Bureau Manager

  2. SPIFIMAN1
    May 7th, 2009 at 21:01 | #2
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    Inquiry’s show for 24-months but only affect your score for anywhere from 6-12 months depending on your payment history.
    References :
    Finance Manager for over 9-years / 2008 edition Consumer Action Handbook.

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