I ' ve had so many inquiries for so long that it really doesn ' t matter to me personally anymore . In the beginning I would stress over it , but still getting cards and stuff from banks despite the high number of inquiries . From the bank ' s perspective , it ' s such a small factor in overall credit scoring and underwriting that it doesn ' t matter much . It matters , yes , but not much . No bank is going to deny you based on inquiries alone it ' s usually inquiries and then othermore heavily weightedfactors . My attitude would probably be different if I was gearing up for a mortgage . <| sep |> This is prebank , so Ferro is not a threat . Toxic is not my choice , Pokeaim used it in a video and it worked fine , lets see if it works for me , if not I ' ll switch it out