Ok I think I am beginning to figure out this scoring process. This is my theory. What is one thing on credit file that most creditors or CRA will tell you does not count for much.... INQUIRIES. Wrong! I read many posts and heard similar stories about inquiries. Creditors solicit you all the time in the mail with preapprove offers, you apply and then you are denied, oops ..... wasted inquiry, lets say you respond to at 5 similar inquiries and you get approved for 3 out of five. Now that is 5 inquiries on your file and guess what happens to your score....down, down, down. Guess what your rates and fees are going to be? Your score is lower, and who knows who really owns which credit card company considering banks are eating each other up everyday,, Well the scenario is Big bank sends you this great offer to respond and you think oh my credit is better I can get their card, not! They deny you, then you get a mailer from Big Bank's small bank offering a good deal at first, but no where as good as Big Bank and they actually approve you but a few months down, the APR changes, guess what your score has changed to. Justification for higher rates. Lets say you feel you are on a roll, more inquiries, your score goes down. Remember inquiries stay on there for 2yrs and the line of most CRAS is that your score is most affected by items on your file for the past 2 years. What black is white and what's white is black. Inquiries do not hurt your score, false! But they remain on your file for 2 years and if you have more than 5 in a year your score can be adversely affected. No matter how good you are paying. Anyone ever wonder why the CRAS would be so unresponsive to disputing inquiries. Experian finally is allowing disputes of inquiries, but I wonder after how much prodding did they finally decide to do it. Does anyone know if Equifax or Transunion is allowing disputes for inquiries?