I have tried to rebuild my credit extensively. I just had major surgery and have been slacking in checking my report the last few months until today. I checked with eloan and it says I have 23 INQUIRIES!!!!! and a score of 673!!!!! When last month it was 777!!! What gives? I checked with all 3 bureaus and none of them show 23 IQ's?????!! Is this a reflection of my true score??? Thanks!