personaly look at it and are able to make a personal judgment then those inquiries WILL effect your rating score. Everytime you inquire a small amount of points are deducted. Something most people don't know is that you actually get a WORSE rating when you close cards that are open. It shows that you have a large amount of available credit. I don't know what that lady is talking about, but I know several people that are in financing and must have 50 different cards while only using basically one of those cards. They are all almost in the 700 range as far as rating score goes.
