My credit score is being lowered simply because I have an inquiry. I 'm a full time student in a XXXX program and have applied to private and subsidized lenders for student loan funds. As a result, my credit score is effected because they automatically check my credit when applying. In addition, I 've applied to a couple of credit cards which appear to have better interest and/or point program, but not necessarily going to take the line of credit. THIS DOES NOT MAKE ME A RISK!!!!! If I 'm not paying my bills or paying late I can understand that having a impact on my credit score, but IF I AM PAYING MY BILLS AND PAYING ON TIME, WHY SHOULD MY CREDIT SCORE GO DOWN!!!!!!!!!! I think this is unethical, unreasonable, and unacceptable!!