) I was denied Wachovia...one reason being too many inquires. They used Equifax. I know I have a lot of inquires on Equifax and Transunion. How did YOU (LizardKing) go about getting them removed? I know I'm currently working with Junum, but I'm not sure if they dispute inquires. I'd sure like to know. Also, I got a letter in the mail yesterday from a collection agency. Imagine my HORROR! Here I am in the middle of credit repair and now this. It was from my pager company (that I'm paying via payment plan) and it says "We have tried to contact you about this to no avail". NO ONE from that company has called me and said anything about my account. I don't know if this is on my CRA yet, but how do I go about taking care of this? If it's there, I want it gone. But the bigger issue is that I was never contacted by the original creditor. They accepted my payment terms and now this. I've been with this company for over 3 years, never a problem, I'm a month or so past due (going through a seperation) and they're sticking it to me! Any help would be appreciated. Thanks!