One was having more than 10 inquiries per year, as opposed to 1 or 2. The other, even worse, was a large number of retail accounts. If I tried 10 or 12 retail accounts, the score went extremely low. This was in spite of the fact that I entered a low combined limit of 2000 for retail accounts each time. I need to rethink my retail card strategy. I now have just one (Macy's), but had wanted to get several more soon, and even more after that. Now I realize I have to limit the number to 3 or 4. Otherwise, I can't get the other credit cards I want. Also, according to this model, my present 6 bank cards are hurting my score. Doris K and family, you may find this interesting.