Late payments, collections, bankruptcy, a large number of credit inquiries, a high credit card utilization rate and even credit report mistakes all have a negative effect on your score. (creditsesame.com)
Having an excessive number of credit inquiries will have a negative impact on your score. (sellingwarnerrobins.com)
You should work these details out before a lender initiates a credit check, since a high number of credit inquiries can damage your bad credit score even further. (badcreditloanservices.com)