Originally Posted by thingstodo

Rekna...your note clearly states that:

* Inquiries that count toward your FICO score.
There is only one type of credit inquiry that counts toward your FICO score. When you apply for a mortgage, auto loan or other credit, you authorize the lender to request a copy of your credit report. These types of inquiries, prompted by your own actions, appear on your credit report and are included in your FICO score.

Insurance companies are giving you credit when they give you insurance. That's how the industry works. The inquiries that don't count are all passive and you can even stop most of them with a fraud alert which also cuts down on the credit offers you receive in the mail.

A credit check with a denial is still just a check. If they deny you've already got problems!