Date registered: Nov 2005
Location: 1313 Mockingbird lane
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The reason credit scores are affected by inquires is the automatic system thinks you are applying for credit. Unless the system realizes that it is indeed you (which is sometimes hard to determine) it will assume application for credit.
Each credit bureau by law is required (per request) to give you ONE free copy of your report each year. Usually they make you write to them and they will expedite your request when ever they fucking feel like it.
Anyone that has repair issues with there credit should contact a credible attorney that specializes in credit repair and or accuracy. Contact your state bar to find an attorney if you don't know one.
Please stay away form so called credit repair agencies that claim to assist with debt problems. This can be reported to the bureaus just like bad debt.