John, just to add to that, like inquiries are also lumped together. So for instance, if I'm looking to purchase a home and I'm applying for a mortgage, and within a period of time, if I'm going to multiple lending institutions to apply and get the best rate for that mortgage, that's put together as one inquiry. Also, inquiries are only one of the variables that are used in the calculation within the score.
On May 27th, 2014. See this statement in context.