Why Inquiries Reduce Approvals

Multiple recent inquiries signal credit-seeking behavior. Even with a good score, inquiry velocity can trigger denials or smaller limits. Each hard inquiry stays on your report for up to two years, and the impact is strongest in the first few months after the inquiry is recorded.

How to Reduce Inquiry Damage

We start with prequalification, fix the highest-impact blockers first, then apply in a structured sequence. This protects approval odds and preserves future lending capacity. By knowing what is realistic before applying, you avoid wasting inquiries on applications that are unlikely to be approved.

Next Step

If you have already applied multiple times, stop and run readiness first. Every additional inquiry without a clear strategy reduces your approval odds further.

Frequently Asked Questions