I am with u on that. I think I only have one inquiry that may be affecting my score per myfico. I have a feeling my file isn't split yet but pretty close. So we will see what they say tomorrow. I haven't talked to that many reps like you, maybe a little more than half of the people u have talked to. A lot of it is lectures but ur right if u check a dispute that counts towards ur file size. Or it seems like it does which is stupid IMO.