Impact of inquiries does not taper off. An inquiry either affects your score or it does not. An inquiry is no longer considered in Fico scoring once it reaches 12 months age although it shows on your file for 24 months. All the inquiries you mention will still be under 12 months in April so you won't get any improvement from them aging. Nonetheless, you may see a score bump before April due to new accounts passing 6 months age. You would see a nice boost if you allowed your age of yopungest account (AoYA) to reach 12 months.
To maximize your score leading up to the loan keep total reported balances on all your credit cards under 9% of your total CL. Ideally report a balance on one card but a small balance on two cards won't hurt much, if at all. However, avoid having all cards report $0 balance as that can drop swcore 15 to 20 points due to: "no recent activity on revolving accounts"
|Total Credit: $240,100||Credit Utilization: 1%||AAoA: 5 years, 7 months||Installments: Car Lease, Marcus Loan||Negatives: 0|
I wouldn't worry about your inquiries, they will make no difference (especially with as few as you have) in getting approved for an auto loan. Given your scores/DTI/past loan history, you will be fine. I have seen people with strong credit history and 50+ inquires have no problem in underwriting, in my experience inquires only have an effect on getting approved/terms when credit is not good and a sub-prime lender is underwriting the deal.
What is the time line for purchasing a vehicle? If you plan on doing it soon, I would pay off your current open auto if you have the funds, considering you have another open installment already for scoring purposes.
Yeah, unfortunately Auto rates have been steadily icnreasing. Have you pulled your other Auto-enhanced scores? I haven't seen many captive lender's switching from 08 to 09 scores yet. Score's in your range should still net you desireable term's especially with Captive/Manufacturer lender's.