Experian.. initially, I had 7 items there. I am down to 2 items which they refuse to reinvestigate. I am going to try one more thing to get them to get it off. Transunion - 7 items. Down to three. Score 590. They refuse to delete any inquiries. Will keep trying. Equifax - forget how many initial items. Still have seven derogs. 4 CAs - they will not remove. 1 item that has been reaged and 2 CCB/Providian that just won't budge. CCB has validated so...hhmmmmm! I cannot seem to get any approvals on any cards. I am not interested in wasting inquiries. i need some type of revloving credit as I am trying to purchase a home by Jan/02. I am considering Marin (don't want to) as a jumping ground. That sounds desperate doesn't it? Well, we shall see. Any suggestions on my next moves. Help me please. What can I do?