How long does a hard inquiry stay on your credit report?

And, does it drop off automatically or do you have to contact the credit bureaus?

Inquiries are on your report for 90-days. So any inquiry 91-days or older has zero effect. Speaking of which, most fears about inquiries are a serious over-reaction. For 95% of the people 95% of the time, a few recent inquiries does NOTHING to you score. You have to have A LOT of inquiries in the past 90-days to even have a small effect on your credit score.

- Joseph M. - Aug 16, 2014 at 10:08AM
1 Answer

The credit reports we pull show credit inquiries for the past 90 days. No, you do not have to request anything. I don't know if "drop off the report" is quite the correct term, but inquiries no longer show on the report once they are over 90 days old.