With two reports in I've decided to join junum today. Can't wait for TU's report. It's always the slowest to get here. I did what I can on my own since late December of 2000. I'm down to 3 negatives on each of the 3 CRs. My score has dipped from 606 to 600 to 595 after getting a mortgage in January and a car just 4wks ago. (The do say that FICO groups related inquiries and count them as one when comparison shopping for mortgages(4 inq.) and car(got hit w/ 5 inq.) loans). Even if junum can't get anything deleted, it's worth a shot. Thanks for referring junum.