HOW TO REMOVE HARD INQUIRIES FROM CREDIT REPORT (FREE METHOD)
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- Опубликовано: 2 янв 2022
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I am not a financial advisor. The ideas presented in this video are for entertainment purposes only. You (and only you) are responsible for the financial decisions that you make.
I see a lot of ppl saying they received multiple inquiries from car dealerships. DO NOT GOT TO DEALERSHIPS without a pre-approval letter (you can get this from a bank also) . I always use Capital One Auto Navigator. They do a pre-approval, provide you with a pre-approval letter, take the letter to the dealer, and they'll run your credit once you're ready to purchase....Rather than using the dealer who runs multple banks. The dealer may also try to run your credit with multiple banks anyway "to see if they can get you a better interest rate." DENY them from doing so because this will cause the multiple inquiries.
I went with my pre-approval from Capital One, told the young guy not to run any other banks. Come to find out he did it any way.
This happened to played in my face I already was approve through my bank they lie said they need my social to identify me boom later they ran my credit several hits plus my bank with out acknowledge
@@Odiee99 it happened to me as well
@@symone2179 I hate that they did that! If you did not agree, let them know. Contact the bureau to have them remove from your credit.
"Under the FCRA, institutions generally need to obtain a consumer's permission before running a credit check. This law protects consumers by ensuring that their credit information is not accessed without their knowledge and consent. If you believe that an institution has accessed your credit report without authorization, you have the right to dispute the inquiry with the credit reporting agencies and seek resolution under the FCRA."
They then turnaround and deny for too many inquiries so stupid
TY Dear Irv, just what I needed right now for the New Year!!
Once you go to the ftc site, how do you find the "604 Letter"?
Right, like which letter because mine definitely needs removed
@@Chelle2theUnknownthe 604 letterrrrrr!!!
Thanks for the advice but would be nice to be able to actually find the letter 😂
Thank you and I wish you a great day! ❤️
Each inquiry needs a separate report?
Send it the collection agency or the credit bureau
OMG - gorgeous hair😅
What can’t I sign it?
I wish we could have these questions answered
This was great information! This is the kind of info that needs to be given to our youth as they venture out into the world of entrepreneurship. This was very easy to understand and straightforward. Thank you *PLUTO TECHIE* for this your credit repair and funding method
I’m glad I got the privilege to learn about their name, their name is simply spelt as *pluto techie*
Thanks to them, they got overr 6k followers
On the *”GRAM”*
You always come through with the 💎
🙏
What will happen if you accidentally dispute an open account which is a car loan? Would there be a problem on my end?
Where do you send it back to ?
Hello, thank you for this information. I'm in one of those situations where I recently bought a car & have 2 hard inquiries that are not my lender & I've been searching high & low on how I could remove them. I heard about sending in a letter but I've also heard that before doing so, to freeze my credit with Sage Stream/Lexis Nexis first. Is that true or will filling out & mailing the letter suffice? Please advise.
Theres a yt channel called Noelle Randall. And she has a video titled "how to remove inquiries in 24 hours". She explained it very well and answers your question.
I think I can get you recommendation for that you mind.
@@FunesLegendthanks for being helpful!!❤
1. Why not sign it?
2. Then u cant remove real hard inquiries that are there for the credit cards u were approved for, right?
3. I was just approved for an apple card for 3k and Experian lowered my Credit Score 28 POINTS for that hard inquiry! IS THAT EVEN NORMAL??? I want to die!
What should i do??
Just needing a little clarity, I understand what you mean by not signing the letter, but do you replace the signature with your name typed or nothing at all at the end of the letter? Thanks Irv and/or anyone who knows.
Is this for "only" if you were denied credit card/car/apartment ?? Can hard inquiries be taken off if you use that company's product now?
You're not suppose to dispute open accounts unless you don't want to use it anymore
If u remove an inquiry connected to an open account/ card it will be cancelled
Where on the website do you find the 604??
Send me direct message for that
Will I'm trying to get these cars off.. n they told I couldn't get a car cause I have 3 cars on my credit.. n I haven't owned a car n havnt been to a dealership nor sign any papers ... I would b a first time buyer
Where do you mail the letter too?
Hit me up for that
so what about when you apply for credit cards and was not approved , what should your letter say.
He got my credit card approved via Telegram
CybErgHoiSt
I did this and sent the letters as stated but none of my hard inquiries were removed. Any other ways to go about it?
How many can you do? I went to a dealership like 3 times not knowing they left me with 4 hard inquiries each!! I’m planning on moving in a couple months and trying to build my credit as high as I can !!
@@craigshaw364 yee bro I need help wassup
@@craigshaw364 I have 12 on my report
I have the same issue. I heard that once you mail the letters out, you freeze your credit and then they can’t verify them and they come off! You can also make a list of all the account that you’re disputing in one sheet.
Did u ever get it them off your credit bro and how ?
@@jjmobeyyy how do u freeze ur credit tho
Can I remove the inquiry even if I have a card with that bank?
What if they ask you if you have filed a police report?
Send it where?
that's what I'm wondering
Do you know how to remove delinquencies from your account ? I had them 2 years ago some how raised my credit score up to 700 again, but im thinking the delinguencies still effect my score.
I can got you recommendation on that
@@craigshaw364stop with your scams!
Got credit card denied, but hard inquiry, does this still work or do I have to wait 2 years
They are only supposed to be on for 2 years?? I thought it was 7? I ask because I currently have 3 things and they are all stuff that’s 10 years old
Oh no!!! Its only 2 years! Dispute it with the credit bureau!
How many inquiries can I put on 1 letter??
One
Can removing a hard inquiry from a decline cc application ruin your relationship with the bank?
CybErgHoiSt
Genuine question: what if they ask for a police report?
Yes they asked me the for one
Tell them you'll mooch them up if they try
Don't sign what?
It lowers 3 to 11 points per inquiry
It just lowered 28 on experian for my credit card approval! Insane!
HELP😭CAN U REMOVE IT even tho its correct an two days old 🙄🥺
Does work that way
CybErgHoiSt
What do you mean to fill it out but not to sign it.
Did you still need a help with this.
@@craigshaw364i need help
@escaflowne102 just do everything else but sign it. Simple it works
@@DACultureTvdont pay attention. Hes a scammer. Be careful.
@@enriquehernandez5151why not sign it? Whats the reason?
Why won’t you sign it?
You don't want them having your sig on file in case you did sohn an app and they have proof of a pull
Is there an option to do it online without mailing it?
You want to mail it certified. That way you know they received it and they have 30 days to respond.
I have a question?
CybErgHoiSt
What about Bankruptcy? How remove that?? It has been 8 years for me.
Freeze Lexus nexus and sage stream And dispute it thank me
Later it should take 30 days
@@salamander2682 when can you remove the bankruptcy? After 7yrs?
Why thebfuck do inquiries lower your score in the first place this is some bull...
Right!
Seems sketchy is their another easy way I don’t mind paying but not too much lol.
Where do you send the certified mail?
Experian transunion equifax
Wish they taught this shit in school………… Makes you wonder why they don’t!
Send it where what address?
To the credit bureaus.
Buzz me up for that
I called and request my free credit reports from that site and I got a hard inquiry WTF
That’s what I was just wondering watching this video ! So it gives another inquire just for putting in a report ?!
@@vanessadarrough3143NO IT DOES NOT. i do i once a week to check my reports. Its free. No hard inquires AT ALL. Check my comment up.
Why not to sign?
something you applied for might have your signature attached to it so if you sign the letter you are giving them proof that you applied for that account
@@ABRelaxingSoundsso no signature, but can i just TYPE my full name??
How to remove hard Inquires on OPEN accounts? 🤷🏽♀️
You don't just wait it out, if that account is open and you're using it. If they remove it at your request they're also going to close that account which can hurt your credit score, be careful.
A Hard inquiry is just a credit pull verifying your credit score to see if you qualify
@@a1mllcand hurts your score tremendously.. they lie and say it doesn’t but ohh buddy it does ! 5-7 points each inquiry deducted from your score
😮😮😮😮😮😮
I tried to do a hard inquiry removal and it came back as verified. What are my options now?
Wait it out......
Freeze LexisNexus report, that's how they are verifying your inquiries. You have to call them to freeze it.
@@kendrickmcfarland1284 I did that
@@craigshaw364 how do I reach you?
@@londonwilliams3868 did you have google chat?
Hi, How Can I remove a hard inquiry from me trying to get a business loan with PG
Buzz me up for that.
Do I have to send a letter for each hard inquiry?
Put all on one letter. Make sure it’s not attached to an open account
Proof of claim ??!
CybErgHoiSt
Dude you literally didn't show nothing about what size 604 letter supposed to be on bro you took a quick view of your monitor and quickly moved back
Can i pay someone to do this for me
CybErgHoiSt
He got my credit card fixed via Telegram
I just wait for them to fall off
then why you watching this video lmfao.
😂😂😂
This sucks. I’m trying to get a biz loan but I got denied. Turns out, this car dealership ran my credit 7 TIMES!!! Would the method ur mentioning work?
Turns out.. Experian will take them off. But TransUnion and Equifax are stingier. What a bunch of sacs.
CybErgHoiSt
Who did this work for drop a like?!
I have zero hard inquiries and I did it with one phone call and the law …. It is illegal to have hard inquiries …. There is a law that says so …
Are u serious????? Where did u hear that? And how can we have proof to present to them??
@@MilenaKoncar are you in which country…
No one has ever had a hard removed from this method.
This is one of the most common methods for removing.
@@IrvOfficial yes, I'm sure it's common, but no one can show in real time that this method actually works. Multiple hits for a car loan are common and stated when you apply for credit, so it's nearly impossible to get these remove. A 604 letter is a nonexistent letter; it's actually a 609 dispute letter. 609 allows you to dispute the accuracy / legitimacy of the information on your credit report. None the less, you should include a copy of your drivers license, social security card as proof of identity when you send your letter. Most likely the report will update your account as accurate. Would love to see some real world proof of this tactic working. Also, send it certified mail; a stamp gives you no proof that you sent it.
@@NickT-jh7bq Thank you for the info. If deciding to wait 2 years for hard inquiry to be removed, do you think it is risky to apply for credit again after 1 year? I applied for a car about 6 months ago at several dealers and they each ran my credit a whole bunch of times. 20 inquiries now 😢
You mind I get you recommendation to a guru who is very good at what he does.
Why shouldn't i sign the 604 letter ??
@Tiera why ??
It will match your signature
@@demetriabrown4749but can i just type my full name? Or not even that?
How to find the letter
Dude, Its your own Credit report, Doesnt matter if you sign it or not, What a waste of time,
I think you’re not supposed to sign it because you don’t want the bureaus to have your signature. Just less ammo for them and anyone else regarding credit