I got my credit reports (after applying for a mortgage, the company gave me the merged file). I was upset to compare what they had to my own copies that I had received directly from the credit bureau. Inquiries that "are not shown to creditors" according to my credit report from the bureaus WERE on my merged report. So that is a lie in itself on the part of the bureaus. So, how do I dispute these erroneous inquiries that I did not initiate? A lot of them are pre-marketing credit checks for credit, insurance, etc. A lot are current creditors checking up on credit. How much do these hurt? There ought to be some way to punish the credit bureaus for doing this. They tell us consumers that certain inquiries only show-up on the consumer copy, but I have caught them in the act of showing them to a potential creditor.