- Oak Lawn, Illinois, United States
Many scoring models consider whether you have applied for credit recently by looking at 'inquiries' on your credit report when you apply for credit. If you have applied for too many new accounts recently, that may negatively affect your score. However, not all inquiries are counted. Inquiries by creditors who are monitoring your account or looking at credit reports to make 'prescreened' credit offers are not counted.
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