At the end of each report will be a log of inquiries. An inquiry notation is made each time someone requests a copy of your credit file from that credit bureau. Any company that receives a copy of your credit profile will be listed under this inquiry Section of your report. Lenders don't like to see a lot of inquiries on a credit report.
Excessive inquiries can result in a credit denial as easily as bad credit.
Thus, you will need to verify the type of inquires made and take steps to remove any unauthorized inquiries. Not all inquires are viewed negatively. In fact several types of inquires will not appear on any copy of your file except for the copy you receive. Your existing creditors may do a periodic review of your account for many reasons. These inquiries are not viewed negatively.