Each hard inquiry drops your credit score by a few points and will remain on your credit report for two years. (towerfcu.org)
These marks drop credit score significantly, so it is best to avoid these. (lendedu.com)
Too many late payments can easily drop a credit score from excellent to poor in a matter of months and it may take years to raise the credit score back to its previous numbers. (discoverdebtfreedom.com)