How long before my credit rating improves?
I am not sure whether you are asking about credit reports in the US or credit reference agency in the UK. If you asking about the UK, then those credit searches (inquires as they are referred to in the US) will remain on your report for the following time periods: Experian holds search entries for 12 months, Equifax and Callcredit for up to 24 months. If you are talking about US credit reports, then inquiries remain on ones credit report for 24 months. Also if you do your “shopping” for a car (or home, or other big ticket item) FICO recognizes that you are rate shopping and if you do so within a short time span of around 14 days they will only report it as a single inquiry.
