Originally Posted by Happy
BTW, I have one friend who average 45+ cards a year - that means 45 pulls, even you equally spread them to 3 reports, you have 15 hard pulls per report in a rolling 12 months period - that cannot be say "only a few" hard pulls ? His FICO stays stagnant during that period at a relatively high number, FWIW.
http://www.myfico.com/CreditEducatio...Inquiries.aspx
"Inquiries are a subset of the "new credit" category shown above, which accounts for 10% of the total FICO score. Their importance depends on the overall information in your credit report. For some people, a given factor may be more important than for someone else with a different credit history. In addition, as the information in your credit report changes, so does the importance of any factor in determining your score. What's important is the mix of information, which varies from person to person, and for any one person over time."