When I look at my credit report for TU, I see two sections for inquiries. One section says 1) The following companies have received your credit report. Their inquiries remain for 2 years. I have a total of 11 there. 5 of them are "TU Consumer Disclosure." The other 6 include 1. ConsumerInfo.com, 3/13/2001 2. PostProperties (tenant screening), 10/13/2000 3. MBNA, 6/30/2000 4. Neiman Marcus, 1/29/2000 5. American Credit Educator, 9/3/1999 6. QSpace, 8/11/1999 It says that the TU Consumer Disclosure are not viewed by creditors. Question: If those 5 TU Consumer Disputes are not viewed by creditors, do they affect your score at all? Out of these 12 , which ones should I dispute? What do I say when I dispute these items? Does it hurt to use these other online credit agencies (QSpace, ConsumerInfo.com, etc) when getting your credit report?