Sean that only applies to mortgage pulls and shopping around for a mortgage. That is not the case for all other inquires such as MCA lenders, credit cards and auto loan lenders.

Quote Originally Posted by sean bash View Post
The one thing you can breathe easy about is that the FICO scoring model assumes that consumers will shop for credit and therefore many inquiries in a very short period of time may hold the weight of only one pull.

So if their credit gets pulled 5x in 1 week, the score might only drop after the first one, but if the credit gets pulled once every 2 weeks for a couple months, those are going to hurt.