Hi Joe,  I cannot say how many points your inquiries are costing you because everyone's situation is differerent and many factors apply. However inquiries do lower your score and they are often very easy to remove. Our software will help you to dispute any item on your credit report (including inquiries). The Fair Credit Reporting Act gives you the right to dispute any item on your report. If that item cannot be verified in a reasonable tome (usually 30 days) the item must be removed. This is the basis of all credit repair, whether you hire an expensive credit repair business or a credit attorney...or if you do it yourself with software. Software makes the process very easy and keeps it organized. To see a demonstration of how easy this is please watch the 5 minute video tour halfway down the page at www.credit-aid.com . Our Credit Dispute Wizard creates dispute letters with a click of your mouse and the drop down menu in the wizard has a list of all common dispute items (including inquiries). It you watch the 5 minute video tour, you will see just how simple this is. I hope this has thoroughly answered your question. Have a great day.