As everyone knows, collections can put a damper on your credit score. Each collection lowers your credit score by 23 points on average. Did you know that hard inquiries have a similar effect? although hard inquiries are only 2-5 points on average, too many hard inquiries make you look risky to lenders and they can deny you even if you have good credit. We dispute and delete hard inquiries in 30 days. We do not remove hard inquiries associated with open accounts.