as one inquiry and it won’t show up for 30 days,” says Sjoblad, adding that he would be surprised if it was a demerit of more than 10 points for one inquiry.
Being mindful of their debt load, Waterson and Ndiaye don’t open new credit accounts often. Ndiaye says she doesn’t really worry too much about inquiries against her score. And for those who use credit responsibly, this rarely becomes a major issue.
To get your credit score and your credit report, go to myfico.com and pay $38.85 to access your scores from all three of the major reporting bureaus. Each comes with a full explanation of the score and how lenders view you. They also include helpful tips on how you can improve your FICO scores.