My worthknowing score has jumped from 5 to 32 points. I think that 75% of it has to do with having those inquiries removed. The rest is because I have had new trade lines reported. The idea came from BKEV. This is exactly what he posted I am just quoting it: "Trans Union... yes, try an online dispute. List the name of the creditor, with the date of the inquiry as the account number... check the other box as the reason and say never applied for credit- delete. They usually will delete immediately and send you an updated copy of the report with 5-7 business days." I know a lot of people have tried variations of this approach. But if you do it exactly as described a the aboth it should work. I am living proof. I only have 7 inquiries left. And most inquiries that got removed where not going drop off until late next year.