The short ans sweet of it is this... With the help of the board, I have good credit however... Twelve Inquiries over 2 years is a credit killer. Without 12 inquiries my score would move from mid to high 600's up to mid 700's. Today, the J.C. Penneys preapproved offer went to the paper shredder. I have enough credit. I nevr did find the "dispute" button on "creditexpert" but Monday is another day.