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Account Review (AR) inquiries are soft inquiries that do not affect your score. They have no impact on your credit.
Companies you have an existing account with will sometimes pull your credit. Account Review (AR) is what the soft inquiry will be for that pull.
The "bad" inquiries ard hard inquiries. Each one drops your score 5-10 points. Once you have too many--usually 6--you might get denied.
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