I just looked more closely at my inquiries on Experian's report and under the "Requests by Others" they are correct (10 total, 7 of which will fall off by Spring 09 - a couple credit card pulls a couple auto loan pulls, etc).
Under "Requests by Only You" though, there's probably 100+!!
I see a few that I remember pulling, along with my weekly Experian (thru www.freecreditreport.com) pulls. But Capital One pulled my credit ALMOST EVERY SINGLE WEEK from March 2007 to December 2007, along with HSBC pulling once a month, and over a dozen random institutions.
First, is this hurting my credit score/report in any possible way? Second, why would Capital One ("Requests by You"???) be pulling every week for a year and then suddenly stop? Third, can I/should I get these disputed?
Thanks! I'm not very informed on how inquiries work. 
- lauren
@Anonymous wrote:I just looked more closely at my inquiries on Experian's report and under the "Requests by Others" they are correct (10 total, 7 of which will fall off by Spring 09 - a couple credit card pulls a couple auto loan pulls, etc).
Under "Requests by Only You" though, there's probably 100+!!
I see a few that I remember pulling, along with my weekly Experian (thru www.freecreditreport.com) pulls. But Capital One pulled my credit ALMOST EVERY SINGLE WEEK from March 2007 to December 2007, along with HSBC pulling once a month, and over a dozen random institutions.
First, is this hurting my credit score/report in any possible way? Second, why would Capital One ("Requests by You"???) be pulling every week for a year and then suddenly stop? Third, can I/should I get these disputed?
Thanks! I'm not very informed on how inquiries work.
- lauren
Recheck what your Experian report says. My Experian report (pulled yesterday) lists "Inquiries shared with others" and "Inquiries shared only with you". The former are inquiries that arose when you opened up new credit accounts (e.g. credit cards, car loans), whereas the latter are unsolicited inquiries by credit card companies who want to offer you a preapproved credit card (for example).
The inquiries that are shared only with you have no effect whatsoever on your credit score. These are the so-called "soft pulls". This category will also include your own personal requests for your credit report (e.g. from annualcreditreport.com or TrueCredit). The "hard pulls" that originate with the application for credit will affect your credit score, so those who go on a credit card application spree will see score decreases for both the inquiries and the new credit accounts.