Reply #18: A few inquiries her and there shouldn't affect your score.

[Kingshakabobo]

You should be able to walk away without hurting your situation as the scoring models don't know if you have been turned down or walked away.

i think people get a little too caught up in worrying about the number of inquiries. The only time I have seen any significant move in a score is from some kid applying for 10 credit cards in the period of 30 days. Scores DO fluctuate on a daily basis but it is due mostly to credit card balances.

That reminds me, I have to pull my OWN report to see if MY BANK fixed THEIR mistake on MY OWN PERSONAL LOAN.

I'm a loan officer for a bank and they are reporting me late for my mortgage that was already sold. It seems as though there was a glitch when they sold the mortgage and I owed them about $100 bucks for interest. Fair enough so I paid it. They kept sending me bills and FORECLOSURE notices on a loan they no longer held. It was almost amusing. I got to see how people have to deal with mortgage companies and the complete lack of common sense and logic. I was able to point out to our upper management how f--ked up our collections department is.