I have 3 hard inquires in about 1 year from a bank we have a loan with. It states on my CR they will remain there for up to 2 years. I called their office and asked what they were for, she wasn't sure, but is looking into it. She said they are more than likely account reviews. She is supposed to call me back shortly. I thought that those needed to be soft reviews? With them being hard, it looks like I am applying for more credit or something which doesn't look good at all.