) I just felt I should post and let you all know you guys and gals are the BEST! I'm in progress of fine tuning my credit report. I got my one and only DEROG removed this month. It wasn't my fault the US mail service lost my cc payment. I wasn't aware I had the black mark until I looked into my credit report. I wrote a brief letter directly to my credit card place and stated my case. Within 30 days I received a letter back stating that they would remove the mark and notify the credit report bureau to update their records. ) I'm still awaiting to hear back about the 6 unauthorized inquires this past year. I'm not sure if they are soft or hard inquires, but I wrote them down anyway. Can anyone tell me how I can tell the difference between the two? I'm viewing a 3 in 1 credit report. Thanks!!!!