I had zero inquiries on my credit report. My Transunion score was 695. I got a letter from Ally bank that I was not accepted and count not gone specific reason. They gave a credit agency of SageStream LLC with a score of 565! Reason of " number of inquiries ". Which were none until that inquiry. I looked them up and they are being investigated for fraud and lowering scores for specific banks to be able to give higher interest rates!