Consumer Protection Law
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Regrettably, there is a logic to this negative impact on a credit score after an inquiry. An inquiry indicates that you may have obtained a loan that has not shown up on your credit report yet and that loan may affect your future ability to meet your obligations. For more information on credit inquiries and their impact on credit scores, click on the link below:
I understand your frustrations. However, my answer remains the same. This is the current state of credit reports and credit scores and it is not going to change unless a law is passed to change the way credit scores are handled. The fact remains that inquiries DO affect credit scores regardless of your objections.