Date of Last Inquiry Too Recent

If you have been denied credit and see that one of the reasons was that the date of your last inquiry was too recent, then you should count yourself lucky. This is the easiest risk code to fix!

“Date of Last Inquiry Too Recent” Credit Score Risk Factor Codes
Equifax Not Factored
Experian Not Factored
TransUnion 19
NextGen D1

First of all, you should understand why you received the code in the first place when applying for credit. The credit bureau in which the report was pulled is taking note that you have applied for another account very recently.

Your score will drop anywhere from 1 to 5 points each time you apply for a new credit account. The amount of points you lose depends on a number of factors, such as how extensive your credit history is and how many inquiries were made in a short period of time. Applying for multiple credit accounts within the past 12 months can generate a separate score code that is also detrimental to your credit scores.

New credit is one of 6 major credit scoring components, comprising 10% of the risk factors that go into credit scoring formulas. If you  apply for 2 accounts back-to-back, you can expect a noticeable dip in your credit scores.

Losing 10 points may not seem like a lot, but it can mean the difference of being approved for a loan or being denied. Even if you are approved, you might have to pay a higher rate because you just missed the threshold for their preferred rates.

There are two exceptions to this rule. Multiple inquiries toward a car loan will only count collectively as one inquiry as long as they were made in a short period of time. Similarly, shopping around for a mortgage loan will also provide for an exception. Older scoring models give you two weeks. Newer models give you 45 days.

How to Fix the Code

When you are denied credit and you believe that another recent inquiry is to blame, then there is only one course of action to take. If you do nothing, the problem will fix itself. That means avoid applying for any new credit accounts for several months. As long as you wait at least 6 months, you should be in better shape. Of course, that assumes that you have taken care of your existing credit accounts by making your payments and reducing your debt!


Date of last inquiry too recent is credit bureau risk score reason 19 on the TransUnion Empirica scoring product, and reason D1 on FICO’s NextGen scoring model. For more information on credit scoring, see the complete list of credit score factors.

Kenneth Long
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Kenneth Long

President at Debtors Unite
Kenneth Long is President of Debtors Unite, Inc. as well as President and Vice Chairman for Vision Credit Education, Inc. He served as a regional coordinator for the North Carolina Saves campaign. Long co-founded the Wake EITC Coalition along with Family Resource Center of Raleigh.

Long is a graduate of the University of North Carolina at Chapel Hill with a B.A. in Industrial Relations. He subsequently received his Certificate in Nonprofit Management from Duke University. His Certificate in Financial Planning was issued by Florida State University.

Long has achieved the Accredited Credit Counselor and Accredited Financial Counselor certifications through the Association for Financial Counseling, Planning and Education. Long originally achieved the Certified Credit Counselor designation through the National Institute for Financial Education.

In addition to years of nonprofit leadership, Long has been an innovator in the field of volunteer tax return preparation programs. He assists volunteer associations and nonprofit organizations who seek to integrate credit counseling and asset-building programs with free personal income tax preparation. His approach to using free credit reports as both an incentive and a screening tool for placement into asset-building programs has been shared with members of the National Community Tax Coalition, the EITC-Carolinas Initiative of MDC, Inc. and nonprofit groups across the Carolinas.

Long assists members of our armed forces in the Carolinas, Iowa, Rhode Island, Georgia and Germany with financial readiness. Please support our Soldiers, Marines, Airmen and Sailors!

Favorite quote:

"The democracy will cease to exist when you take away from those who are willing to work and give to those who would not."

Thomas Jefferson
Kenneth Long
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