<prompt> Human: Hi all, my wife and I were working with a lender on purchasing our first home, but after running our credit, our lender pointed out to us that the Infiniti dealership we purchased our car from back in April had run our credit about 27 times split between the day of purchase and the day after purchase. This dropped our credit score about 40 points, and if we werent in the process of purchasing a house, we wouldnt have even known. We plan on going to the dealership tomorrow to figure this out, but can anyone explain why theyd do this? Wed have credit in the 800s if it werent for this and hurt our chances at a home wed be able to get approval for otherwise. Is there anything we can do?Thanks in advance!Assistant: Its common as the dealership shops your score around different lenders to get the best rate. Not really anything you can do about it, youll be wasting your time talking to the dealership.Fortunately its only counted as one hard inquiry if theyre done within 2 weeks of each other.With a score of 800, youre looking at 760 which still gets you the best rates. Anything above 740 gets you the best interest rates.Human: Thanks! This is what Ive heard before but weve worked hard for our credit to be up there and for it to take that deep of a hit hurts, but I suppose the hit could have resulted from just the one inquiry?  <response>: What makes you say your score dropped 40 points from the inquiry? More specifically, where are you getting your score from, and were there any other changes from when you had 800? The most obvious reason for change is not the inquiry but the new loan, which reduces the average account age.Another possibility is having a higher credit card balance, even if not yet due could make a big impact just because of where you are in your billing cycle. 