I have a lower score (500 or so) mainly it says because of lack of credit history and balances. I also had 20 inquiries or so in the past year, partly because I was searching for a car. How many points does an inquiry reduce my score? Does it matter where the inquiry comes from (Automobile, Bank, or Retail Credit Card Company)? Does it reduce my score when I am denied something? Also, how many points does opening a new account lower it? I know this depends on the account, such as a card retail?