Having too many inquiries on your credit report can negatively impact your credit score. An inquiry occurs when a lender or creditor requests to view your credit report as part of the process of considering you for a loan or credit card. Each inquiry is recorded on your credit report and can remain there for up to two years. If a large number of inquiries are made in a short period of time, it can indicate that you are taking on a lot of new debt, which can be a red flag to lenders and creditors. Additionally, if you are denied credit or offered a higher interest rate as a result of having too many inquiries, it can also be an indication that you are a higher-risk borrower.

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