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kathy11751

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Inquiries were made for existing cards due to inactivity-why did this make my score go down?

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Inquiries, weather for new credit or old

always pull your score down.  Creditors will do this on inactive cards to see what kind of activity you have on other cards and weather you still actively use credit.  They will also do it when they are going to offer you a raise in your credit limit. 

As far as the credit system goes, any acvtivity in inquiries, weather generated by you or someone else, appears as if you are activly seeking new credit.  The system adjusts your score down so that you are not granted to much new credit at any given time. Until you have proven that you can financially handle the new debt. 

You can put a credit freeze on your account. That should help limit the number of unauthorized inquiries.  Google it for more info on how Credit freeze works and how to activate it with the Credit bureaus.

Good luck

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