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Investigate the nature of inquiries. Some suspicion of creditors making inquiries to lower an applicant's score in order to demand a higher interest rate. Personally, as a financial advisor, I think the FICO score system is flawed, showing only a snapshot. Consider an individual who charges practically everything and pays in full every month. Inquiry made the day before payoff will result in a different result than when the balance is zero.
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Bob S. former owner of a 1984 silver 944
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