On another thread, I had discussed that when I checked my E-loan score in April, a "hard inquiry" from Midwest Mortgage resulted on Experian. Reportedly, 40,000 + people had this happen. Obviously, I was just one of many. What surprised me was that when the inquiry was changed to Infonet credit; the inquiry remained in the "hard inquiry" file. I e-mailed to Eduardo at E-loan the other day about the problem and today, I confirmed with Experian that that the inquiry is now a "soft inquiry". It is just my opinion, but I blame Experian for the whole problem. Anyway, now the problem is resolved. Thanks - Jim