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tennkid

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ok i had a score of 710, i applied for 2 credit cards and a loan through 2 loan it drop to 610 ty...

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So what are you saying here? 3 hard inquiries cost you 100 pts? That sounds fair!

No, I am kidding, that is NOT fair. Did you get approved and have new accounts placed on your reports? If so, that could cause some serious damage with the "average age of accounts" and if you had debt added from the loans, that would ding you too. So all that added up, 100 pts may make sense.

But, if the only damage was three inquiries, it does not make sense. If that is the case, I advise that you check your FICO scores, they can be very different from these scores to begin with, but they wouldn't have taken a hundred point hit for three inquiries. The good news is that FICO is the important scoring systems as that is what most lenders use.

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