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How Long Do Hard Inquiries Stay on Your Credit Report—The Timeline Explained

CreditStrong for Business

The three major credit bureaus— Equifax , Experian , and TransUnion —must record hard credit inquiries or “hard pulls” on consumer credit files for two years. This is done to help lenders assess your current creditworthiness more easily.

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Online Credit Reports & How They Are Tracking Everything You Do

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There are dozens of places where you can obtain your credit report. The three big credit bureaus, however, are Equifax®, Experian®, and TransUnion®. Often referred to as credit reporting agencies, these companies work independently. Credit Reports vs. Credit Scores.