Before we answer the question - how do you delete inquiries on a credit report, I'll discuss what inquiries are. First of all an inquiry means that someone took a look at your credit report. Your credit report is used by creditors and lenders to decide whether or not they will grant you credit. They are used by insurance companies to decide whether or not they will cover you with an insurance policy and they will take a look at your credit report, an inquiry, in order to come to a decision.