is the number of times you pull your credit. All pulls on the same day are counted as 1 and you get a certain number before it affects your score, 2 or 3. It will never wipe out the entire 85 points, pulling it more than allotted will give you a hit of about 10 points in my experience in the credit industry.

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"A genius is simply one who has taken full possession of his own mind and directed it toward objectives of his own choosing, without permitting outside influences to discourage or mislead him." - Napoleon Hill