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One or two scoreable inquiries IMO would not drop a score nearly 40 points. I suppose on just the right profile anything is possible, but I've never heard of that. About half that many points is what I'd think would be the max and maybe a quarter of that would be about right in going from 0 to 1 or 0 to 2, again, depending on profile.
Can it be due to having the first HP at the end of one month but the second HP at the begining of the next month? So, in this case, it might count two HPs.
How does the 45 day period would be counted to count several HPs on mortgage as 1? Is it like Jan 01-Feb15, Feb16-Mar 31, etc.? Or does it count from the first HP date and independent of the calendar day?
As far as I know, calendar date isn't considered, it's simply the amount of time between your first and last inquiry. This is over course assuming that the inquries get properly coded as being for an installment loan.