Just missing one payment can drop your score by as much as 100 points. (badcredit.org)
For some consumers six hard inquiries in a one year period could drop scores as much as 20 - 40 points while others may have a minimal decrease. (northshoreadvisory.com)
If you have had many third party inquiries during the year it could drop scores significantly and it might be best to wait a year from the latest third party review. (northshoreadvisory.com)