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Discussion in 'Credit Talk' started by Gliz10444, Mar 29, 2001.
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If you apply for credit, it will bring down your score. Denied or otherwise, inquires are inquiries.
This is a safe way to think, but not necessarily a correct way. I get this directly from
the horse's mouth -- Fair Isaac:
"A common misperception is that every single inquiry will drop your score a
certain number of points. This is not true. The impact of inquiries on your
score will vary â?? depending on your overall credit profile. Inquiries will usually
have a larger impact on the score for consumers with limited credit history and
on consumers with previous late payments. The most prudent action to raise
your score over time is by applying for credit only when you need it."
Bottom line: People whose files already include negatives or other signs of trouble
get penalized for inquiries to a greater degree than people who have lengthy histories
and no negatives.
All they know is that someone (a company) checked your credit. They do not know why, or the outcome of the inquiry. It is best to keep inquiries to a minimum. I stick to one a month.