Definition of stern boat. : a ship's boat carried at or near the stern.
Hard credit inquiries can only affect your FICO score for a maximum of 12 months. Usually, if they have any impact, it will be primarily in the first 6 months. They will drop off your credit report after 2 years. The exact impact inquiries have on your score depends on a number of factors. There can be a larger impact with a shorter credit history and fewer accounts.
A single hard inquiry doesnât necessarily have an impact on your credit score. Itâs a group of hard inquiries in a short period of time that causes the drop. You are correct if by âgroupâ you mean 3 hard inquiries, and by âshort periodâ you mean 2 years.