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| By Greg Fisher
On its Finance Blog, Equifax states, "Hard inquiries, on the other hand, do impact your credit score."
Ah, but not all of them. Don't let the unknown freak you out when you want to request a lousy credit card.
According to the FICO credit score company Fair Isaac, "For many people, one additional credit inquiry (voluntary and initiated by an application for credit) may not affect their FICO score at all."
The myFICO credit score simulators have a function named "Actions that can sometimes (but not always) help your FICO Score... Seek New Credit."
It is unclear who at Equifax wrote the words on the Finance Blog since the item states, merely, that is was written by Equifax "Experts" (an amusing notion that is another story, entirely).
Another unresolved peculiarity of the piece is a mention of mysterious "blended scores."
In a test of the efficacy of a social media message, Equifax, the people of its Finance Blog and its managing editor follow a creditscoring.com social media account, but have not responded.
.@Atlanta_Falcons, Richard F. Smith of @Equifax failed to reply. Please look into this today: https://t.co/h91qxNX0hb #falsity
— Greg Fisher (@creditscoring) October 7, 2013@creditscoring @Atlanta_Falcons Greg, we are reviewing the material you've brought to our attention. Thank you.
— Equifax Inc. (@Equifax) October 7, 2013.@Equifax, see https://t.co/BAwI3NukE6 (from May), and answer the questions by 10 am.
— Greg Fisher (@creditscoring) October 9, 2013@Equifax, @Glink blinked. Please reply to https://t.co/wuDPSq4Ler from last month. @Cpep27 @EFXFinanceBlog #efficacy
— Greg Fisher (@creditscoring) March 10, 2014