I called to ask them to remove 2 employers that were not mine - no problem! I then asked what I could do about the inquiries that were from companies I had never heard of or had no accounts with, he said "which ones? I'll just remove them." I guess it was my lucky day. I asked for my score, because it is not on the report, and he said it is 466. In May on my tri-merge report it was 499! I don't understand. My bankruptcy was removed because it was 10 years old this month, and 4 tax liens were removed. The only negatives left on my account are 3 medical bills, and Fingerhut which is from this year, but I am arguing with them because I don't want what they sent me. I am going to return it, then dispute. My only true positive is Sears, from 2/2001. I disputed a charge off and it was changed to this: Account with no adverse information: verified 12/96 installment account opened 12/96 participant on account most owed $1431 pay terms mo:$40 status as of 12/96: no rating in prior 1 month from date verified never late. Does anyone have any idea why my score would go down? How does the wording on the account that was a charge off affect my score? Thanks, I would appreciate any comments.