Dan, the TU FICO from WAMU isn't worthless, as you can get an approximation of what CC issuers will be looking at. If you are looking to get a mortgage or some other loan from your bank or CU, then you will need to get the FICO scores from myfico to see the actual reports that bank/CU would pull.
Each of the three CRAs have a different algorithm for their FICO model, so depending upon what's in your file at any given moment, any of the CRAs is subject to be the lowest, highest or in the middle.
Disputing those items will not cause an inquiry on your reports. You need to provide all of the information that you have, if you are going to dispute with EQ & EX though.
Hope this helps. GL2U.