up 4 points, I'm thinking...Yeah, an inquiry came off. So I check, hmmm, one account in good standing gone. Wonder what happened (I have quite a few older ones, that may fall off at any time) so, I go thru them. Nope, they took off my car payment. They are so dumb!! I asked them this week, via online, if they would just update it, NOT DELETE, just update, as the finance co hadn't updated since 7/2001. I thought maybe the lower balance would help. I guess it did, it helped it right off my report! LOL Oh well, my score went up, and I'm sure they'll rereport someday!!