The prominent reason code is 40 which is that &%*$#! discharged 7. I do have very high balances (to the brink) on 2 of my credit cards and yesterday's 3 hard inquiries. I will be paying ALL of my credit cards down to $5 later today and I will start disputing all inquiries again today also.
The discharged 7 has been on all 3 reports all along. I have been disputing it one way or another for over a year to no avail. But when any of my scores were or are at their highest, that 7 is right there at the beginning of the CRA report.
Good luck disputing those inquiries, adman. From what I've read on the board, Equifax doesn't delete inquiries, EVER. That sucks, because Equifax is almost exclusively pulled where I live.
Equifax is king where I live too. We might even been in the same city. But I never say never. I'm a fan of Winston Churchill "NEVER, Never give up, Never give up, NEVER"
Well, if you get any inquiry deletions out of them, give us the dirt on how you did it! I've got a couple I'd like to kill myself. Hehe, for someone who never says never, you say never an awful lot! Sorry, getting a buzz from too much cold medicine.
