My credit score is being artificially lowered by these companies ' policies of having multiple credit report or score requests adversely affect one 's credit score. How? 

( 1 ) Searching for a home and shopping for the best mortgage/financing has generated multiple reports which they claim indicate some sort of " problem. '' We placed offers on XXXX homes - both failed their home inspections, so we did not purchase either XXXX - which generated more reports and lowered our score even further. 

( 2 ) Our report said we had a " too high balance-to-limit ratio '' on our bank card. It averaged {$2500.00} on a {$5000.00} limit. So we raised the limit to {$7500.00} which generated yet another report. 

( 3 ) We are actually pre-approved by a lender, but because it 's been hard to find a home within our price range, enough time passes that they will pull another credit report if we make another offer on another home. And then our score will sink once again. 

( 4 ) We have pristine credit, yet our score has dropped XXXX points in the past six months, all due to this bizarre policy. 

( 5 ) I went online to dispute this but they say, in writing, their " policy '' does not allow this to be disputed. So according to them, there is, therefore, no means to resolve this. 

( 6 ) We are now afraid to look for a house or financing for fear of lowering our credit score even further. This is insane. 
