My score was 695. The analysis mentioned that I had 2 derogatory accountsin the last 3 years. This was reported as the only negative on my report. E-loan suggested I pay down my Cap One account by $1K and in a month my score should be 702. This must be Trans Union as I have 3 derogs on EQ and EX - BUT ONLY 2 on TU. Also, I only have 1 inquiry on TU so no mention of inquiries hurting my score was made. I live in California. For reference, my EQ (scorepower) credit score this month was 633. MY BK shows in the public record. I have 3 discharged BK accounts from 1998. I have 5 or 6 inquiries in the last year. Conclusion: 695 e-loan score (TU) is reasonable. Comments??