Hello all, I have been working on my score for about 5 months and have gone from 617 to 662. I recently received a pre-approval for a house loan based on my 662. My wife's car died and we recieved financing for a new one with no problems. The inquiry for the car ... along with the pre-approval for the house about a month back dropped my score by 4 points! 2 questions: 1. how can you abtain necessary credit like mortgage and car without taking a hit. (We couldn't do all inquiries within the 2 weeks because we didn't know we would need a car) 2. How long will this 4 point loss stay on my report? I have to get this score back up above 660 before closing on the house. Thanks in advance for any help.