Originally Posted by jacknyoc
Sorry to jump in over the OP...but are you saying that the "hit" ofr card/applicaiton activiy may only last a few months. I've heard 3 years and the like? Thank you.
Anecdotally some people have reported their score dipping by 30 points or so but keep in mind they fall off after 2 years regardless. So 3 years would be impossible. And after 6 months they seem to have far less of an impact on your credit score than immediately following the inquiry.