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sarabelly asked, "...shocked to see there were 42 inquiries listed! Is this bad?"

This depends on the type of inquiry. Inquiries that are made my credit cards you have without your request should have no impact on your credit. Credit card companies buy these inquiries in bulk periodicly on everyone who has one of their cards. Citibank is one of those companies.

It is inquires that are made because you asked for your rate to be lowered or a new account to be opened that effect your credit rating. Also keep in mind that home and car loan applications and buying anything where you make monthly payments (such as furnature or stuff from Fingerhut) will put an inquiry on your credit report.
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