I went back and checked my inquiries. Actually there were only 4 in the last 12 months. One was an auto loan on the samy day,2 pulled credit, did not buy car after all. One was a mortgage refinance, one was for a LOC that I did not go through with because the rate was too high, and then one was with the LOC I got for $ 5K with Wells Fargo and Wells pulled 2 inquiries, one when I opened the LOC and one when I opened the checking account they said I had to have to have the LOC
So of the 4, only one resulted in new credit. So my ducks are probably more in a row than I originally thought.