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bigstevecer

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how long does a credit inquiry stay on my account
according to ck if you have too few accounts it lowers your score - to add more accounts you need to apply and in turn get more inquiries which in turn lower your score - seems like a conundrum?

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LOL, yes it is.  Dont let anyone tell you that you have to get credit.  But first to answer your question.  A inq will be on your report for two years.  It will stop hurting your score after one year.  You would not need more then 3 credit cards to max score and really if you dont need that many cards I wouldn't get them.  Also Vatange scores (which is what is used here on CK ) will punish you for opening new accounts so be aware of that.  It wont hurt you as much on FICO and it will come back faster.  My FICO scores are much higher then my Vantage scores.

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