It has four reason codes, the last two being: 19: Too few accounts currently paid as agreed. He has five accounts listed on his report, all are listed as Pays as Agreed. There are no collections or derogs. and 8: Too many inquiries in the last 12 months. He has had ZERO inquiries on his equifax. There are a couple of PRMs but no hard inquiries at all. Anyone else have this odd stuff happening?