I just wanted to say Thanks to Doc, Kristi, Lkh and many others who have helped me reestablish ,y credit. None of you know me I have never personally posted on this site but I have followed your advice to a Tee. I just received my dispute back from Equifax and I got two repos deleted and a charge from Gulf State Credit. I can honestly say I have perfect credit now on Equifax. I wish I could erase those damn inquiries. I diputed Transunion and got 2 30 day lates removed a Repo and Gulf State Credit and 7 inquiries. Experian I got 18 inquiries removed, Gulf State Credit and a 30 day late. I could not have done this with all of your help. I was a stupid child and now married with a family and now can do the things with my family I could not do before because of Bad Credit. So Thank you everyone for all of your support and help. These are some credit learning tools to beat the infamous credit system.