I've read a few entries about scoring and would like to know how I can obtain my own scores. Also how many inquiries on your cr reports are too many and when does their affect wear off? I applied for a Sears card in January with years of no credit and was given a $3100 limit. No one else on the planet has faith in me except for sears. No one will issue me a card. I pulled a cb from TU and Equifax and I do have two paid collection accounts with a combined total of $250 on utilities. One I paid this year after getting the Sears card and the other I paid off 11/99. How long do these stay on the report? The full seven years? I attempted to dispute them w/TU but they came back "verified as reported". Any suggestions?