I think FICO should create a code for utility inquiries - similar to mortgage inqs - coded as one (or even none). I need heat, water, electricity to live! I shouldn't take FICO hits because of this. This really pisses me off. These inquiries for BASIC AMENITIES are lowering my score and potentially raising my car insurance premium, lessening a chance of being approved for a loan, and who knows what else. It's time for a revolution, FICO style!
I "THINK" THEY SHOULD OUTLAW INQUIRES FOR UTILITIES AND INSURANCE ALL-TOGETHER!!! Why can't you get a LETTER OF REFERENCE from your current company...OR pay them $50.00-$100.00 deposit???
