Originally Posted by RNE

Hurt? No. Lower a FICO from 810 to 805? Oh the horror! People get way too hung up on "negative" events which don't amount to a hill of beans. My learned advice is not to worry about petty things like inquiries and closures. Scrupulously avoid missed payments, late payments, defaults and, of course, bankruptcy. Then go about your merry financial business secure in the knowledge that your credit worthiness is just fine, vielen dank.