Collections/delinquencies Inquiries Recent delinquencies High balance I am working on the delinquencies/collections, (awaiting results of most recent round of disputes) and have sent letters to creditors to have iquiries removed (10 in last calendar year.) Also, I need to pay down my balances. I am AU on my husband's cards, that may have something to do with it. Also, my last late pays were in 6/99, so hopefully as those age, they will be less damaging. Anyone know if Junum is successful in removing 90 day lates? All in all, sort of depressing. The report makes it sound pretty grim, and I shudder to think what my score was before I began this whole process. I think I am going to call the CRA's and see if they will remove some of those inquiries. I know that I did not authorize at least two of them. Apparently, they are damaging if they are within the last year, not just the last 6 months. Good luck to everyone else who gets their score!