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  1. Hi, I recently applied for credit and was surprised I was turned down when the bank pulled the bureau I thought I had a very strong credit rating with. The reason was too many inquiries. I reviewed my report, and sure enough, there were about 16 inquiries. However, most of them come from current creditors, or banks / credit unions where I have business and personal checking and savings accounts. I was surprised to see most of these as hard inquiries, negatively affecting my credit. When I opened the checking and savings, I was advised they would all be "soft pulls" by each credit union. The others are from current creditors, ie. credit cards. I'm not past due on anything, nor in any kind of collection status and not in any litigation. I would assume credit card banks would do normal periodic credit reviews via soft pulls, but these are all appearing as "hard pulls." The cumulative effect over the past two years was to negatively affect my credit. I believe out of the 16 hard inquiries at least half should be soft pulls. I disputed in writing with the one credit bureau where they all appear and my disputes have been denied twice now. Has anyone come up with any new strategies on disputing inquiries, or how to deal with this scenario? I'm concerned that just going back to the banks will be a lost cause, and quite difficult to find any individual in the "credit inquiry department." Thank you.
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