Nonetheless, they have done some nice work on her behalf. For quite some time, she had problems with some messed-up lines from GMAC. For the life of either of us, we couldn't figure out what steps to take to fix the mess. Within the last few days, she received her Experian and Equifax reports and found that all of the information from GMAC had been deleted completely, making those credit reports almost clean. Now we'll have to hope those items will stay off the credit reports, but there's hope! Unfortunately, she has one collection charge-off. The amount is only $197 for an unpaid telephone bill, so it's too small for Lexington to work with. The agency has verified it twice, and it is a legitimate debt. Still, we've tried to negotiate with them, and they refuse to budge. She's offered to pay the full amount in exchange for having the item expunged from her Equifax report. Although the debt is uncollectible because the SOL has run out, they refuse to drop it. I'm thinking she might as well let it go until it drops off her report in two years. By the time those two years are up, maybe some of those damned inquiries of hers will dry up too. When I looked at her Experian report, I found 40 inquiries for the past two years and 20 in the past 6 months. She had more inquiries on her Equifax report than I wanted to count. Ironically, many of them are from repeat applications to the same companies, and all were from online applications. I'm seeing the same pattern from my daughter. She has buttloads of inquiries on her reports and far too many credit cards. Is there some sort of addiction involved in making online applications? No matter how much negative information is deleted from their reports, their credit ratings will suck major portions of arse until they knock it off with the freaking inquiries. I wonder how big a pickaxe handle I'm going to have to buy to beat some common sense into the heads of both those dizzy broads! Rebuilding credit while racking up the inquiries is simply pissing in the wind!