TU-One chargeoff, 42 UNauthorized inquiries
EXP-One chargeoff, 3 UNauthorized inquiries
EQ-One chargeoff, 5 UNauthorized inquiries

Have begun my C.H.O.D! :) Just sent my letters out yesterday, want the aforementioned items removed completely from my reports. Have right now, Providian $4400 Limit, Target Visa $6000 limit and Cap One Mastercard $1500, 25% usage. Will be paying off Cap One and Target by February or March and in April, I want to apply for AMEX Blue or Optima Platinum and take advantage of the low transfer rate (8.90%) for my Providian balance. With the removal of all the CRAP from my report, I think this is possible. Let's hope. ;)