how long can an inquiry stay on my credit report?

Question

can i dispute it if its more than 2-3 years

Answer 1

credit inquires can stay on your credit report for 3 years.
Also there is a difference between "hard inquiries" and "soft inquiries".

http://www.disputedemon.com/credit-score/

Answer 2

I've been in finance for over four years now. I understand that you want to know how long the inquiry will be on your record. But really it doesn't matter. I'm sure you've heard that inquiries are bad, that's not really the case though. The reason that your score dips a little when you have inquiries is because years ago people only went to their local bank for any transactions (loans, cards, etc.) so when you had a lot of inquiries it looked like you were looking everywhere for money and no one would give you any. Credit scores are supposed to reflect risk, and if no one would give you money then you were high risk. In the last few years the bureaus have decreased the significance of inquiries because these days everyone checks their credit all the time. It doesn't reflect risk anymore. If you check your credit 8-10 times in a month, ya, it will dip. But for what your talking about, it shouldn't be an issue. Just check your credit when your serious about getting something, and don't just apply everywhere just for fun and you'll be golden.

Answer 3

Anything put into your Credit Report will stay their for up to 7 years (unless it's changed recently). And yes you can dispute anything at ANY TIME!!!! Just go to a credit agency like Equifax and request your credit report and ask them about their process on how to file a dispute, usually just a letter saying why you're disputing it, and they will wan't proof like receipts and I.D. Beware though, it could take 6 months for any results, but it is better then waiting up to 7 years for it to come off your record.

Answer 4

Inquiries should be no longer than 2 years and yes you can (and should) challenge it with the credit bureau(s). The more inquiries, the more it affects your credit score so get those off!!!