https://ficoforums.myfico.com/t5/General-Credit-Topics/INq-derog/m-p/42563#M30636 Inquiries aren't derogatory, they merely show that you have been seeking credit. Just because and Inq can lower your score doesn't mean it's derogatory. Maxing out a credit card will likely lower your score too, even if you've never been late does that make it derogatory? No.<BR /><BR />Creditors just see an Inq, not if the result was a yay or nay. Wed, 01 Aug 2007 21:42:59 GMT Anonymous 2007-08-01T21:42:59Z https://ficoforums.myfico.com/t5/General-Credit-Topics/INq-derog/m-p/42442#M30559 <DIV>are all inquiries derog or just the ones that get declineed?</DIV> Wed, 01 Aug 2007 18:31:00 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/INq-derog/m-p/42442#M30559 laryn41 2007-08-01T18:31:00Z https://ficoforums.myfico.com/t5/General-Credit-Topics/INq-derog/m-p/42451#M30566 <DIV></DIV><DIV>I am almost positive that they are all derog (once you get to a certain number) regardless of the outcome.&nbsp; I don't think they have a way of knowing the outcome of the application.</DIV><BR /><BR />Message Edited by meg on <SPAN class="date_text">08-01-2007</SPAN> <SPAN class="time_text">11:54 AM</SPAN> Wed, 01 Aug 2007 18:54:45 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/INq-derog/m-p/42451#M30566 Anonymous 2007-08-01T18:54:45Z https://ficoforums.myfico.com/t5/General-Credit-Topics/INq-derog/m-p/42563#M30636 Inquiries aren't derogatory, they merely show that you have been seeking credit. Just because and Inq can lower your score doesn't mean it's derogatory. Maxing out a credit card will likely lower your score too, even if you've never been late does that make it derogatory? No.<BR /><BR />Creditors just see an Inq, not if the result was a yay or nay. Wed, 01 Aug 2007 21:42:59 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/INq-derog/m-p/42563#M30636 Anonymous 2007-08-01T21:42:59Z