@Anonymous wrote:Am I correct in understanding the FICO model distinguishes between inquiries for applying for credit lines versus non-credit line (employment, utilities and etc)? If so, do non-creddit line inquiries count against me?
Distinguishes between inquiries yes, but I do know at least that FICO 04 an inquiry is an inquiry unless it's mortgage, auto, or student loan and I believe the same holds true on FICO 8; there may be more distinction under FICO 9, maybe.
Fortunately inquiries don't matter much typically under either FICO 8 or 04.
