Curtis Balkissoon

http://www.rbc.com/news//2020/20200317-client-support.html

I hear this question all the time, so I thought I’d shed some light on the topic. Q: How do inquiries affect my score? A: A common misconception is that every inquiry decreases your credit score a certain number of points. This is not true. While an inquiry is recorded on your personal credit report every time you, one of your creditors or a potential creditor obtains your credit report, the presence of inquiries has only a small impact on your credit score and certain types ...of inquiries (your inquiry to your file and account review inquiries) have absolutely no impact. Inquiries have less importance than delinquencies, balances owed and the length of time you have used credit. In general, scores only consider inquiries from the last 12 months. Inquiries are usually more important on your credit score if you have a limited credit history. Source: www.transunion.ca

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