Not true.
Pre-qualified credit offers aren’t based on a credit report, at all. They are based on an internal survey by the credit reporting agencies of people who match the criteria given to them.
Even your current creditor’s inquiries, who often re-check your credit annually, don’t affect your score.
Inquiries only lower the score when they are conducted with your permission for the purpose of granting credit. Even at that, it would take more than a few, say 4 or more in a six month period for the average person, to have a negative impact.
Inquiries that you initiate, and those provided by the credit reporting agency in bulk, will show on YOUR copy only, and not on a creditor’s copy. Again, they have no impact on your score.
Now, ask me about identity theft, ex-wives, their boyfriends, and how good they look in orange jumpsuits. LOL
I stand corrected.