LKH, I think that it is because there is only one left. BTW I keep saying "I" and I shouldn't, this is hubbys report. LOL I am HOPING that TU takes a big jump for him. He has a 688 EQ now 672 EX (nothing left to clean, I am going to try old addresses and waiting on 1 inquiry deletion from your trick) 652 Imperica that last collection I am still waiting to fall off on TU...how many points do you think that I may get on that? That will leave him with no baddies. If I can get a middle score of 680 my mortgage guy can do a "No Doc" mortgage at 6.35 (as of Friday)