A hard inquiry can show on your credit report in minutes. But to get a fraudulent attempt removed takes weeks. It's disgusting how much jurisdiction these credit bureaus have over us.
Wealth is not just about finance, but health and wellness is critical especially in our black community! No need to have stuff and money if you don't have your good health? Rick Ross finally understands this truth now! What does it profit a man/woman to gain the whole world if you don't have optimum health to enjoy it all! Let change the mindset about the diet & wealth in the black community so we can all go up together! Above all things... I wish that you be in good health and prosper even as your soul prospers! God bless you brothers! and remember to use *850 credit restoration* for your bad credit and negative credit marks and inquiries removal
Followed Joshua & got out of debt, built an emergency fund and then more savings and eventually starting my own business. Now it’s time to seriously invest! Time waits for no one! I swear it feels like I graduated HS yesterday 😂 (28 years old) lol but I have more than enough time! I was in the dumps via credit, owed $44k in card debts and 97k in student loans and really couldn’t afford anymore Tried Lexington law a while back and that was just a mistake My cousin referred me to *discreet phase resolution* I’m intrigued by their honesty and service
Followed Joshua & got out of debt, built an emergency fund and then more savings and eventually starting my own business. Now it’s time to seriously invest! Time waits for no one! I swear it feels like I graduated HS yesterday 😂 (28 years old) lol but I have more than enough time! I was in the dumps via credit, owed $44k in card debts and 97k in student loans and really couldn’t afford anymore Tried Lexington law a while back and that was just a mistake My cousin referred me to *discreet phase resolution* I’m intrigued by their honesty and service
Followed Joshua & got out of debt, built an emergency fund and then more savings and eventually starting my own business. Now it’s time to seriously invest! Time waits for no one! I swear it feels like I graduated HS yesterday 😂 (28 years old) lol but I have more than enough time! I was in the dumps via credit, owed $44k in card debts and 97k in student loans and really couldn’t afford anymore Tried Lexington law a while back and that was just a mistake My cousin referred me to *discreet phase resolution* I’m intrigued by their honesty and service
Followed Joshua & got out of debt, built an emergency fund and then more savings and eventually starting my own business. Now it’s time to seriously invest! Time waits for no one! I swear it feels like I graduated HS yesterday 😂 (28 years old) lol but I have more than enough time! I was in the dumps via credit, owed $44k in card debts and 97k in student loans and really couldn’t afford anymore Tried Lexington law a while back and that was just a mistake My cousin referred me to *discreet phase resolution* I’m intrigued by their honesty and service
Followed Joshua & got out of debt, built an emergency fund and then more savings and eventually starting my own business. Now it’s time to seriously invest! Time waits for no one! I swear it feels like I graduated HS yesterday 😂 (28 years old) lol but I have more than enough time! I was in the dumps via credit, owed $44k in card debts and 97k in student loans and really couldn’t afford anymore Tried Lexington law a while back and that was just a mistake My cousin referred me to *discreet phase resolution* I’m intrigued by their honesty and service
I just did all of this and bro I thought this was BS but increased my score 66 points in 1 hr!!! Half the inquiries were dismissed and the other half are under review! Thank you so much and I'm subscribing!!!!
@@JamesOrabuenaa I disputed everything. Most never came back . I actually just purchased my first house because of starting here. I did find out if you comment on the disputes, it holds the mortgage process. So dont comment. Just dispute.
I have 2 chapter 11’s that are dismissed.The reason I have 2 is bcz I did not use an attorney.I was trying to stop an eviction,but when I went to try to add another month’s rent to the bankruptcy, but the guy filed another one. About a month later,I ended up losing my job.They are scheduled to fall off in January and March 2021.Since I’m looking to purchase a home soon but still there.I am currently enrolled in *85O Credit Rest0ration* and I must say,I am loving it thus far.I’m doubling it up with your podcast videos and learning A LOT! Thank you.I’m ready to join the millionaire club!!!
This method actually worked for me. I just recently pulled my credit and got all 12 hard inquiries removed from my credit report and my credit went up instantly. Please follow everything in this video and it should work. Thank you so much!
I don't get involved with so much information from anyone in particular,just follow everything step by step,i waited a full month before sending any letters (after getting all of my information frozen)
Apparently I'm not doing something right. Did you call each lender that pulled a hard inquiry? I tried this method with Experian and they explained to me that they cannot remove hard inquiries
Jaime Galezo No I just called experian & started off with the ones that expired and weren’t removed & then stated I wanted to dispute some other ones. This was after I froze all the reports. I have heard in the past that it depends on the agent you get, if you don’t get someone to do it the first time try again. I got lucky and got someone willing to do it.
Right, so my question is, what exactly you tell them? “Hi I would like to remove some inquiries from my credit because I don’t like them and they hurt my credit? 👀” 😅.
I work for one of the 3 bureaus, video didn't give a legitimate way of removing a hard inquiry but did explain the process of disputing it which is more than most can provide. Video did explain some key points while not really explain much on other side topics he went into. All the information is available for free on each bureaus site as a FAQ. Just have to take time to research and understand what you're reading.
I started working on my credit 2 years ago. I didn't know where to start I had no credit. I started looking up videos and found *Top Phase restoration* . I followed what you said and started with an secured credit card for 200.00 and mad sure to keep my utilization under 10% and paid on time every month. I now have 3 unsecured credit cards and a 757 fico score. Thank Danielle for all the information and tips. Now we are in a position to buy home.
I lost my job had 90k in personal loans and cc debt I just quit paying on. I wrote dispute letters disputing addresses and inquiries first then disputed my accounts. Within 7-8 months they were all gone and my score went back up 300 points. It’s time consuming but you can do it all on your own
From my experience you don't necessarily have to unfreeze these 3 accounts but it may depend on the job and what methods they use to run your background check. I was able to get a federal security clearance while still having these 3 accounts frozen. They just gave me a warning that it could take them longer to approve my clearance and that I should turn off the freeze but I never did.
Whoever set up the credit system. Set it up for rich folks. But in saying that, the bottom line. It's up to you to write or file your credit dispute. Directly with the credit agencies and never pay anyone to fix your credit. When you have the ability to do it yourself. 💯
Hi Naam Very great and valuable information. More power .. Also how can I avail your credit report repair service. Pls link here your email or web site. Thanks a lot
Question: I went to my bank to try for a personal loan but I couldn't get it. Can I still get that hard pull off after a week from that credit pull? Do you have any videos on the credit usage that hurts your credit score?
I am trying to get the AmEx platinum card but my Experian has over 25 inquiries on my credit a lot of them are from car dealerships shotgunning my credit when I told him specifically to only go through One Bank that I already have a relation with
Hard inquiries have a minimal, almost negligible impact on your score(s). Every hard impact has dinged me at most 5-10 points, and it rebounds the next month. The reason you would want them removed is just to reduce the number of them. Having too many will have a more damaging effect on getting approvals than they do on your score(s).
Hello! Can you delete inquiries that were done for you to acquire business loans? not in your personal name?. If so can you let me know how to do it? THANK YOU
Your out-of-the-box thinking and unique perspective turned an otherwise mediocre presentation into a fantastic one Prime consultant 001 . You did a good job of catching the mistakes and keeping us from wasting time and by taking the wrong path. Your attention to detail really sets you apart from the crowd. Great work! Dave, Your great work has resulted in tangible, beneficial results to me. You’re a force to be reckoned for doing all these beautiful things to my credit Prime consultant 001
@Naam Wynn After submitting the freezes on all three sites, how long does it take for those to go into effect. Also, when I go to unfreeze them after I've disputed my hard inquires on each of the reporting sites, how long does that take for everything to become viewable again as at the end of Nov I want to purchase a new vehicle.
Thank you. this was very helpful. I bought a car, and the finance department looked a4round for finance, and several prospects ran my credit. The Dealer just said he was running my credit and looking for a lender. So had several inquires 4 or one day.
Great tips, I know some of those tips already through credit streamers since last year but I enjoyed watching your video because now I handle most of my credit repair myself, keep up the good work you are touching lives here. I paid for information like this in the past a lot won't understand the quality information you are sharing.
I stumbled across your video and instantly knew this was made for me. I'm going through the same thing with my business but just knowing that I'm not the only one who's experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude sir and *Web back doors* was so helpful during the process of boosting my credit.
That’s should be the work of FixMyCreditDoctor because the the best credit repair team specialized in deleting negative items ,hard inquiry,bankruptcy or even debts You can check on them via them website above if you need their assistance but don’t forget to thank me later
Hello sir , I want to know before I sending letter to credit bureaus will I needs to security freeze with those companies? What you said in this video ??
Problem I have is my Identity got stolen, dropped my credit score down to just 4 filled the form with IRS and with the other agencies, now trying to get my credit restored not easy to do thanks for the vid. It has given me directions to go to help.
So based upon what is being told in the video, i should try to remove hard inquiry only for the accounts with a rejection. Correct? And not the one's where i actually got approval and are still showing on my credit reports.
This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to Prime consultant 001
I started working on my credit 2 years ago. I didn't know where to start I had no credit. I started looking up videos and found *850 credit restoration* . I followed what you said and started with an secured credit card for 200.00 and mad sure to keep my utilization under 10% and paid on time every month. I now have 3 unsecured credit cards and a 757 fico score. Thank Danielle for all the information and tips. Now we are in a position to buy home.
Naam, dude, this is awesome! Probably one of your best videos yet! Thank you! I appreciate the detail and effort that it took to make this video. I use my credit responsibly, but my utilization goes up a little during the holidays as I pay those charges off in 2 or 3-months as opposed to my usual monthly or even more frequent payments! My scores, however, plummeted a lot more than I would have imagined even with my highest utilization being only around 30%, albeit the other 9 or 10-months of the year my utilization averages 7% or even less. The reason it went down so dramatically is because I was shopping around for a mortgage a few months back and one bank actually ran me twice in 30-days, another shopped themselves with 4 or 5 different direct lenders. You get the idea. So, this short-term somewhat modest rise in my utilization had a far more profound effect. In the meantime, all the ‘big stuff’ is Paid-in-Full, but nearly half of my HPs are literally secondary to this! I knew that I needed to do something about it, but I wasn’t 100% sure of the best way to take care of these - well, thanks to you - now I do! ✌️
If the inquiry is accurate what reason do you give for disputing it and wanting it removed before the 24 month period of time ? Please explain! Thank you !
@@NaamWynn should I stop my ongoing dispute then? I went on Equifax website and fill out the online form for hard inquiries that two companies pulled my credit report in 2018-2019... One is Bell and I have no account with them anymore and one was for a appartment rent that the Man checked my credit report so that he could rent it to me...
All of Them back in the Day were credit tests the companies did so they could offer me Internet and the other was for renting an appartment!? Should I cancel my ongoing dispute? I think I did not "freeze" my Equifax account?
Hi, I send 3 deputed certified mail to credit bureau and I never hear from them back! it almost a month now what should I do? I also send to all of my creditors.
I think it is wrong to penalize customers-for hard pull inquiry-when denied. CS should not be affected negatively. The punishment of hard pull destroys customers' progress to advance credit scores.
@eduar ed you have time when the inquiries don't effect anything. For instance, if you are applying for a mortgage, you can apply at multiple places in a 30 day time frame without the inquiries effecting you. Personal loans are at 15 days I believe. Credit cards always count.
A bad credit score has also cost me in extra rent costs (and extra deposits), extra in cell phone bills, insurance, and deposits for bills. I've FINALLY gotten my score up to 800+ with the help of {Jon@creditpatchup.com} . Unfortunately those late/missed payments have really hurt me. Credit cards weren't my problem...it's all student loans and others but . finance cleared it all, thank you {Jon@creditpatchup.com} ....
Hello I've been learning a lot of information thank you so much...I have a question would you do the security freeze if you're trying to have a repossession deleted as well and should a repossession letter be mail separately from the inquiry letter?
@@stevellereed One of the quickest and safest way is to hire a professional credit score specialist who can lawfully and economically re-establish your credit score and remove negative items. I was able to employ (Jon@creditpatchup.com) who helped me erase all bad items permanently. He was also able to remove damaging items like evictions and foreclosures from my credit file! He can provide ethical, powerful, and affordable credit repair service. Right now I have an excellent score grade and all my credit debts have been wiped off. Get on your way to strong credit again.
Thanks for the information! I wish I would have seen this a few weeks ago before sending off my dispute letters. Despite doing the process backwards I still froze my accounts with those companies you mentioned. Hopefully it still works.
This dude is pure value. My scores were 585/620/612 on 5/1/18. Three years later they are 786/778/814. Needless to say, my life has been improved at warp speed, soon after the scores reached 761+. Studying how to improve my scores has been the most rewarding goal process I've ever achieved. I know of no better way to gain confidence, command respect and think on a higher plane than to exceed 800 on a credit score. Just Do It.
Naam, very helpful video! THANK YOU for sharing this information for FREE with no hidden agenda. I love it when creators are truly trying to improve others' lives. I wish you continued success!
During my last semester, I been going through some rough times on getting myself less distracted and I sometimes get jealous on the people that are smarter at my college but thanks to this video I finally wanted to improve on my knowledge and work ahead on my goals on being an environmental scientist. Thank you Prime consultant 001 for making this video because that will help improve my work-life balance in the future
It really doesn't hurt to try. If you have more than 4 hard inquiries within the past 2 years, then it may be worth it, any less than that, then it may only have a little effect.
One of the quickest and safest way is to hire a professional credit score specialist who can lawfully and economically re-establish your credit score and remove negative items. I was able to employ (Jon@creditpatchup.com) who helped me erase all bad items permanently. He was also able to remove damaging items like evictions and foreclosures from my credit file! He can provide ethical, powerful, and affordable credit repair service. Right now I have an excellent score grade and all my credit debts have been wiped off. Get on your way to strong credit again.
Lenders will also look at the number of times you have disputed items on your report. This can sometimes have a negative effect on the lending you are able to get.. this is something that a mortgage lender told me.
My hero 💁 Single mom of two here. I was married for 11 years...Never had anything in my name, and accumulated 6k in medical debt. After my divorce, even with excellent income, my financial options were so high with interest 🙄😭. I'm up to 740 after 8 months. Thanks 🙏🥰
They can! Ex: When a car dealership ask to run your credit with “the bank” what they don’t tell you is that they are running it through several banks and each one will be a hard inquiry. Due to them not being forthcoming and making it seem like their just sending it to one bank or sometimes they will say it’s a soft inquiry when in fact it’s a hard one, you can dispute all inquiries/banks you did not approve them to run your credit through!
I haven't been able to get your updated video's ! Please don't forget about me ! You was the only one that helped me get my unemployment back in April ! I've been looking for yur video's !
I don't usually subscribe to many channels, but I saw one of your other videos and immediately subscribed lol. Information is so helpful and you explain it very simply while making a few jokes that get a quick laugh from me :P Thanks Naam!
I had EVICTIONS, JUDGEMENT and quite a number of other negatives items on my report with a low 400's CREDIT SCORE. These prevented me from getting a montage until I started looking for help. After Scott finished working on my REPORT in just 7days, my CREDIT SCORE increased to 780, all the negatives items on my REPORT were deleted permanently and he added good trade-lines to boost my credit mix (Mortgage tradelines, installment tradelines and Auto tradelines) on my report, I got the mortgage and that was phenomenal!
A hard inquiry can show on your credit report in minutes. But to get a fraudulent attempt removed takes weeks. It's disgusting how much jurisdiction these credit bureaus have over us.
@Credit Boost King it still shows until they decide to remove it. Which takes weeks.
@Credit Boost King sorry but what the af is this wordy, no meaning comment? Just, I mean, WHAT!?
Link?
@Credit Boost King dude u still replying to me. I dnt need to do sht homie. Now run along and go clock in. Me I have a real business to run
@Credit Boost King don't need luck. U did what I expected be a 🍑
Wealth is not just about finance, but health and wellness is critical especially in our black community! No need to have stuff and money if you don't have your good health? Rick Ross finally understands this truth now! What does it profit a man/woman to gain the whole world if you don't have optimum health to enjoy it all! Let change the mindset about the diet & wealth in the black community so we can all go up together! Above all things... I wish that you be in good health and prosper even as your soul prospers! God bless you brothers! and remember to use *850 credit restoration* for your bad credit and negative credit marks and inquiries removal
Followed Joshua & got out of debt, built an emergency fund and then more savings and eventually starting my own business. Now it’s time to seriously invest! Time waits for no one! I swear it feels like I graduated HS yesterday 😂 (28 years old) lol but I have more than enough time! I was in the dumps via credit, owed $44k in card debts and 97k in student loans and really couldn’t afford anymore Tried Lexington law a while back and that was just a mistake My cousin referred me to *discreet phase resolution* I’m intrigued by their honesty and service
Followed Joshua & got out of debt, built an emergency fund and then more savings and eventually starting my own business. Now it’s time to seriously invest! Time waits for no one! I swear it feels like I graduated HS yesterday 😂 (28 years old) lol but I have more than enough time! I was in the dumps via credit, owed $44k in card debts and 97k in student loans and really couldn’t afford anymore Tried Lexington law a while back and that was just a mistake My cousin referred me to *discreet phase resolution* I’m intrigued by their honesty and service
Followed Joshua & got out of debt, built an emergency fund and then more savings and eventually starting my own business. Now it’s time to seriously invest! Time waits for no one! I swear it feels like I graduated HS yesterday 😂 (28 years old) lol but I have more than enough time! I was in the dumps via credit, owed $44k in card debts and 97k in student loans and really couldn’t afford anymore Tried Lexington law a while back and that was just a mistake My cousin referred me to *discreet phase resolution* I’m intrigued by their honesty and service
Followed Joshua & got out of debt, built an emergency fund and then more savings and eventually starting my own business. Now it’s time to seriously invest! Time waits for no one! I swear it feels like I graduated HS yesterday 😂 (28 years old) lol but I have more than enough time! I was in the dumps via credit, owed $44k in card debts and 97k in student loans and really couldn’t afford anymore Tried Lexington law a while back and that was just a mistake My cousin referred me to *discreet phase resolution* I’m intrigued by their honesty and service
Followed Joshua & got out of debt, built an emergency fund and then more savings and eventually starting my own business. Now it’s time to seriously invest! Time waits for no one! I swear it feels like I graduated HS yesterday 😂 (28 years old) lol but I have more than enough time! I was in the dumps via credit, owed $44k in card debts and 97k in student loans and really couldn’t afford anymore Tried Lexington law a while back and that was just a mistake My cousin referred me to *discreet phase resolution* I’m intrigued by their honesty and service
I just did all of this and bro I thought this was BS but increased my score 66 points in 1 hr!!! Half the inquiries were dismissed and the other half are under review! Thank you so much and I'm subscribing!!!!
What did you do to remove some inquiries?
@@JamesOrabuenaa I disputed everything. Most never came back . I actually just purchased my first house because of starting here. I did find out if you comment on the disputes, it holds the mortgage process. So dont comment. Just dispute.
We’re they done online
@@lakrishathompson6415 yes . Through the big 3. Experian, Equifax, and transunion.
@@keithb1978 It doesn't let me dispute any hard inquiries online with any of the 3. How did you dispute??
I have 2 chapter 11’s that are dismissed.The reason I have 2 is bcz I did not use an attorney.I was trying to stop an eviction,but when I went to try to add another month’s rent to the bankruptcy, but the guy filed another one. About a month later,I ended up losing my job.They are scheduled to fall off in January and March 2021.Since I’m looking to purchase a home soon but still there.I am currently enrolled in *85O Credit Rest0ration* and I must say,I am loving it thus far.I’m doubling it up with your podcast videos and learning A LOT! Thank you.I’m ready to join the millionaire club!!!
This method actually worked for me. I just recently pulled my credit and got all 12 hard inquiries removed from my credit report and my credit went up instantly. Please follow everything in this video and it should work. Thank you so much!
So what if u don’t pay bills ? How can u take the inquires offf nobody ever told me it could affect your credit I currently have 14
Did you freeze the account first, for the removal of the inquiries?
Were they inquiries you actually made?
16 hard inquiries removed in 90 days,scores went up 47 points.That was really easy !
Thanks
Not at all
I don't get involved with so much information from anyone in particular,just follow everything step by step,i waited a full month before sending any letters (after getting all of my information frozen)
@@Mk5forLife you dont have to send any letters, you call them and tell them which ones to remove as long as they are not related to current accounts.
Hi did you send a separate letter for each inquiry?
@@brianamorris2846 nooo,just type a letter and mention all the inquiries that you want to be removed.
So I sent one to each one of them.
I had to call back 2x but followed your instructions and it worked! Thank you so much!!
Good to hear!
THANK YOU ! Only did this with Experian today.. 28 out of 30 inquiries DELETED in less than 4 hours!!!!!
Apparently I'm not doing something right. Did you call each lender that pulled a hard inquiry? I tried this method with Experian and they explained to me that they cannot remove hard inquiries
Jaime Galezo No I just called experian & started off with the ones that expired and weren’t removed & then stated I wanted to dispute some other ones. This was after I froze all the reports. I have heard in the past that it depends on the agent you get, if you don’t get someone to do it the first time try again. I got lucky and got someone willing to do it.
@@JAYAMANITV Thank you so much for the reply. I am going to look into that.
I'm going to do mine on Experian as well if you don't mind me asking. What did you tell them?
Right, so my question is, what exactly you tell them? “Hi I would like to remove some inquiries from my credit because I don’t like them and they hurt my credit? 👀” 😅.
I work for one of the 3 bureaus, video didn't give a legitimate way of removing a hard inquiry but did explain the process of disputing it which is more than most can provide. Video did explain some key points while not really explain much on other side topics he went into. All the information is available for free on each bureaus site as a FAQ. Just have to take time to research and understand what you're reading.
Can we talk bro, I don't mind paying long as it's reasonable. I'm trying to get my shit 2gether.
Hey John, Can we talk! I need your help!
Just an Updated FYI. Experian and Trans Union will not let you dispute Hard inquiries online. Good video and solid info though.
Thanks!
I started working on my credit 2 years ago. I didn't know where to start I had no credit. I started looking up videos and found *Top Phase restoration* . I followed what you said and started with an secured credit card for 200.00 and mad sure to keep my utilization under 10% and paid on time every month. I now have 3 unsecured credit cards and a 757 fico score. Thank Danielle for all the information and tips. Now we are in a position to buy home.
I lost my job had 90k in personal loans and cc debt I just quit paying on. I wrote dispute letters disputing addresses and inquiries first then disputed my accounts. Within 7-8 months they were all gone and my score went back up 300 points. It’s time consuming but you can do it all on your own
Damn what’d you do?
What did you do Larry?
Thank you guys.......i really cant believe how quick they got me in the 800 credit score
@Barry Shaw yeah how
I need help
how?
@@pal6618 credit repair
How? Did you do this online??
By far, the most articulate and full explanation of how to remove hard inquiries. Thank you for sharing.
Yes 🥰 I also had some collections removed
From my experience you don't necessarily have to unfreeze these 3 accounts but it may depend on the job and what methods they use to run your background check. I was able to get a federal security clearance while still having these 3 accounts frozen. They just gave me a warning that it could take them longer to approve my clearance and that I should turn off the freeze but I never did.
Whoever set up the credit system. Set it up for rich folks. But in saying that, the bottom line. It's up to you to write or file your credit dispute. Directly with the credit agencies and never pay anyone to fix your credit. When you have the ability to do it yourself. 💯
💳 - FIX Bad Credit Today 👉🏾 bit.ly/3s83hUz
👉🏾 FREE HARD INQUIRE Dispute Letter: bit.ly/2MhNbmr
👉🏾 FREE BASIC DISPUTING LETTER: bit.ly/3k7wYOW
I did do that...Thanks
GOOD INFORMATION👌🏾. Thank you!
Hi Naam
Very great and valuable information. More power ..
Also how can I avail your credit report repair service. Pls link here your email or web site. Thanks a lot
Wow
Question: I went to my bank to try for a personal loan but I couldn't get it. Can I still get that hard pull off after a week from that credit pull? Do you have any videos on the credit usage that hurts your credit score?
This was so simple and to the point no long videos explaining nonsense This was legit I Love that Keep The Videos going
It didn’t work tho did it work for u?
@@dianasohn2515 What error did it give you?
Do you unfreeze lexisNexis and the others before applying for loans??
I am trying to get the AmEx platinum card but my Experian has over 25 inquiries on my credit a lot of them are from car dealerships shotgunning my credit when I told him specifically to only go through One Bank that I already have a relation with
Hard inquiries have a minimal, almost negligible impact on your score(s). Every hard impact has dinged me at most 5-10 points, and it rebounds the next month. The reason you would want them removed is just to reduce the number of them. Having too many will have a more damaging effect on getting approvals than they do on your score(s).
Yup, it looks bad because having too many hard pulls scares lenders into thinking you're desperate for credit.
Can u get off yur credit report even if the info correct?
By making them prove their gathering info thy get accurate?
I had one today take off 54 points ..so minimal not so much sadly
@@kendelaware1826 you only removed the ones that you were denied
@@MaddMan621 which is obviously bs it should show lots of people trust you and not just a few
I've frozen all of these, disputed my inquiries, and none of them were ever deleted. Tried this method years ago
continuously helped me like you have. I thank God for your presence in my life. Thanks a lot!!!
It’s all love my brother ❤ do write me an email if you need mY asssistance
Naamwynn65
GmaiI
Hello! Can you delete inquiries that were done for you to acquire business loans? not in your personal name?. If so can you let me know how to do it? THANK YOU
This is my favorite beginning credit repair video. I come back to watch it all the time. Thank you for making this. Liked and Subscribed.
Your out-of-the-box thinking and unique perspective turned an otherwise mediocre presentation into a fantastic one Prime consultant 001 . You did a good job of catching the mistakes and keeping us from wasting time and by taking the wrong path. Your attention to detail really sets you apart from the crowd. Great work! Dave, Your great work has resulted in tangible, beneficial results to me. You’re a force to be reckoned for doing all these beautiful things to my credit Prime consultant 001
I co-signed my wife a new car and I have over 5 different inquires from it. Thank you!
@Naam Wynn After submitting the freezes on all three sites, how long does it take for those to go into effect. Also, when I go to unfreeze them after I've disputed my hard inquires on each of the reporting sites, how long does that take for everything to become viewable again as at the end of Nov I want to purchase a new vehicle.
Experian for sure you can’t dispute’s online
Keeping your credit report frozen is such a game player
@@chegilmour3547
Yeah right 😂
Yes we
Thank you. this was very helpful. I bought a car, and the finance department looked a4round for finance, and several prospects ran my credit. The Dealer just said he was running my credit and looking for a lender. So had several inquires 4 or one day.
Thanks bro the best person on RUclips so far.
Great tips, I know some of those tips already through credit streamers since last year but I enjoyed watching your video because now I handle most of my credit repair myself, keep up the good work you are touching lives here. I paid for information like this in the past a lot won't understand the quality information you are sharing.
Some real help, no click bait!
Tyy
I stumbled across your video and instantly knew this was made for me. I'm going through the same thing with my business but just knowing that I'm not the only one who's experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude sir and *Web back doors* was so helpful during the process of boosting my credit.
thank youuu for this video!! you explained it so well 🙌🏽🙌🏽
Well explained, I'm subscribing, thank you!
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They deleted all my hard inquiries and raised my score
wo are you talking about?
@@harrynerd552 the credit bureau
That’s should be the work of FixMyCreditDoctor because the the best credit repair team specialized in deleting negative items ,hard inquiry,bankruptcy or even debts
You can check on them via them website above if you need their assistance but don’t forget to thank me later
Hello sir , I want to know before I sending letter to credit bureaus will I needs to security freeze with those companies? What you said in this video ??
@@Frostythesnowmanhewillkill yes LexisNexis & Sagestream
Problem I have is my Identity got stolen, dropped my credit score down to just 4 filled the form with IRS and with the other agencies, now trying to get my credit restored not easy to do thanks for the vid. It has given me directions to go to help.
That’s easy
Hello Mr. Wynn. How do I dispute on a reposed car that is with a collection agency now? They are sending letters for a settlement.
How long before a bankruptcy is removed from credit report I had a bankruptcy back in 2012 just checking thanks?
the same thing happened to me, but I'm all good now i just recently resolved mine....
@@carolinesmith3277 how ?
So based upon what is being told in the video, i should try to remove hard inquiry only for the accounts with a rejection. Correct?
And not the one's where i actually got approval and are still showing on my credit reports.
Yes
This has easily become one of my favourite & the realest credit repair source major level of mature grown conversations amongst legends intellectual mindsets.Different level of transparency.It's authentic.Dope to see! Salute to Prime consultant 001
Naam, for the online dispute, what reason do I use for disputing my credit report? I can't say "too many inquiries". What do I say?
Highkyhack/t e l e g r am did it.
fraud/ wasn’t me
Is this only for U.S. residents?? I'm from Canada, I found things are different.
What exactly are you looking for?
You are the first guy to give all the links for this. Thank you.
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Thank you guy for doing exactly as you've said by raising my score.....i'll never forget you guys
Highkyhack/t e l e g r am did it.
@@rattysingh7013 Highkyhack clean up my credit so amazing
Subbed liked and hit the bell. Thank you for all your hard work making these videos
You rock!
So I went to a car dealership and I only told them to try 2 lenders instead they tried multiple. Can I dispute the ones I didn’t approve?
hello pal have you gotten it done ?
Yes
@@shica404 so would you like to get a loan ?
I started working on my credit 2 years ago. I didn't know where to start I had no credit. I started looking up videos and found *850 credit restoration* . I followed what you said and started with an secured credit card for 200.00 and mad sure to keep my utilization under 10% and paid on time every month. I now have 3 unsecured credit cards and a 757 fico score. Thank Danielle for all the information and tips. Now we are in a position to buy home.
Naam, dude, this is awesome! Probably one of your best videos yet! Thank you! I appreciate the detail and effort that it took to make this video. I use my credit responsibly, but my utilization goes up a little during the holidays as I pay those charges off in 2 or 3-months as opposed to my usual monthly or even more frequent payments! My scores, however, plummeted a lot more than I would have imagined even with my highest utilization being only around 30%, albeit the other 9 or 10-months of the year my utilization averages 7% or even less. The reason it went down so dramatically is because I was shopping around for a mortgage a few months back and one bank actually ran me twice in 30-days, another shopped themselves with 4 or 5 different direct lenders. You get the idea. So, this short-term somewhat modest rise in my utilization had a far more profound effect. In the meantime, all the ‘big stuff’ is Paid-in-Full, but nearly half of my HPs are literally secondary to this! I knew that I needed to do something about it, but I wasn’t 100% sure of the best way to take care of these - well, thanks to you - now I do! ✌️
Hello it's fine if a request to remove multiple inquiares in the same dispute in the same bureau?
emaiI, to:
Naamwynn65
GmaiI
Direct your concerns there
thanks for the video learned alot I think i got to use this
Awesome!
This video Is golden. Thank you for providing true value. So many youtubers today go straight for the ask. Subscribed.
Crazy question. Is it explicitly illegal to dispute inquiries you did authorize?
If the inquiry is accurate what reason do you give for disputing it and wanting it removed before the 24 month period of time ? Please explain! Thank you !
It could be unauthorized. But if it is you who did it, it’s best not to lie.
@@NaamWynn should I stop my ongoing dispute then? I went on Equifax website and fill out the online form for hard inquiries that two companies pulled my credit report in 2018-2019... One is Bell and I have no account with them anymore and one was for a appartment rent that the Man checked my credit report so that he could rent it to me...
All of Them back in the Day were credit tests the companies did so they could offer me Internet and the other was for renting an appartment!? Should I cancel my ongoing dispute? I think I did not "freeze" my Equifax account?
Let me tell you this. Ive Been watching shorts on removing inquiries, but when i saw you. I said i can trust what he says.
What should you say under the dispute for the online version?
Thank you guys.......i really cant believe how quick they got me in the 800 credit score......................
Could you remove a hard inquiry that's attached to an existing account?
yes I just recently got mine removed, I spoke with a credit analyst and he helped me get rid of them in few minutes
are you down ?
I have 7+ but I have 3 or 4 hard inquiries stopping my credit score go's up
Thanks for the information about the opt-out process. That was extremely helpful.
Hackwebz on tele, gram is real
FYI everyone, you might want to wait 30 days for the security freezes to be in effect becuase that's how long they say it should take.
They now have instant credit freeze
Hi, I send 3 deputed certified mail to credit bureau and I never hear from them back! it almost a month now what should I do?
I also send to all of my creditors.
I would f/u with the credit bureaus.
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they have 30 to 45days. next letter will be to send another letter using the law from your state for them to remove the information.
Learned a lot of new things from this video. And I like that you are getting to the point. Great video. Thanks
Thanks a lot for extremely helpful information
You're very welcome!
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Called transunion they said to make a police report and send it to them Does this help before I even do it ? Please help
Awesome video. First time watching you, and I just noticed the USMC shadow box... Semper Fi, brother!
Semper Fi, Devil
Highkyhack/t e l e g r am did it.
I think it is wrong to penalize customers-for hard pull inquiry-when denied. CS should not be affected negatively. The punishment of hard pull destroys customers' progress to advance credit scores.
Hard pulls are still an indicator for your credit worthiness. A large amount of inquiries is an indicator of desperation.
@eduar ed you have time when the inquiries don't effect anything. For instance, if you are applying for a mortgage, you can apply at multiple places in a 30 day time frame without the inquiries effecting you. Personal loans are at 15 days I believe. Credit cards always count.
@@mattypants hey can I ask u a few questions ab inquiries
@@miami1085 I will answer if I know the answer. I work in the mortgage industry, my credit report knowledge is limited to my industry
Thank you for all the informations, it will be so worth it to learn about this credit boost! 😎
A bad credit score has also cost me in extra rent costs (and extra deposits), extra in cell phone bills, insurance, and deposits for bills. I've FINALLY gotten my score up to 800+ with the help of {Jon@creditpatchup.com} . Unfortunately those late/missed payments have really hurt me. Credit cards weren't my problem...it's all student loans and others but . finance cleared it all, thank you {Jon@creditpatchup.com} ....
Your a real one for this video Wordd ! I just subbed 💯
Highkyhack/t e l e g r am did it.
@@rattysingh7013 Highkyhack clean my credit so amazing
@@rattysingh7013 thanks so much highkyhack is legit i appreciate.
They tell you we don't remove hard inquiries when you call the reporting agencies
exactly right
@@aura_daddy I had 65 just from Equifax right after the data breach they refused to remove them even with a police report
Michael Hauser just tell them they fraud I just got 30removed
@@moneycntbuyskill4095 They got removed after 2 years now I have none
@@DoorDashers791 did you report all of your inquiries as being fraudulent?
You got a new subscriber ! Thank you for being real and factual! Seriously everyone else waste time ,you get straight to the point!
Hi
⁰
Can you a video to remove Late Payment, Charge-OFF Accounts and debt Debt Collection Accounts !
Will do
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@@joywilliams1785 Just stop Joy...stop already.
Thanks so much for the clear information and free materials! Subscribed.
EXCELLENT. I learned a lot from this video. Very helpful! Thank you.
Hello I've been learning a lot of information thank you so much...I have a question would you do the security freeze if you're trying to have a repossession deleted as well and should a repossession letter be mail separately from the inquiry letter?
It would be fine to send them together.
Naam Wynn...ok thanks and also should I still do the freeze considering I'm trying to have a repossession deleted as well?
Yes
@@stevellereed
One of the quickest and safest way is to hire a professional credit score specialist who can lawfully and economically re-establish your credit score and remove negative items. I was able to employ (Jon@creditpatchup.com) who helped me erase all bad items permanently. He was also able to remove damaging items like evictions and foreclosures from my credit file! He can provide ethical, powerful, and affordable credit repair service. Right now I have an excellent score grade and all my credit debts have been wiped off. Get on your way to strong credit again.
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Nice 👍 video Naam.
I disagree with removing the old inquiries first in comparison to the new inquiries. I will say remove the new inquiries first.
@@naamwynn1410 thanks
if you freeze those three, will you be able to like apply for a loan or business credit card, etc? Or you would have to unfreeze them three first?
Protect him at all cost‼️ 😂
Thanks for the information! I wish I would have seen this a few weeks ago before sending off my dispute letters. Despite doing the process backwards I still froze my accounts with those companies you mentioned. Hopefully it still works.
Did it still work?
@@1Ataya it did!
@@MelissaKimm Amazing!!! Did you get inquiry and collections removed? Thank you for the update
@@1Ataya yes I was able to get all of the inquiries removed that I did not have an account for.
@@MelissaKimm what exactly did you do
This dude is pure value. My scores were 585/620/612 on 5/1/18. Three years later they are 786/778/814. Needless to say, my life has been improved at warp speed, soon after the scores reached 761+. Studying how to improve my scores has been the most rewarding goal process I've ever achieved. I know of no better way to gain confidence, command respect and think on a higher plane than to exceed 800 on a credit score. Just Do It.
Do I need to send a template from the 604 act and I got 27 hard inquiries can I get them all removed with the one letter?
For more assistance send a message via mail below thanks
Connorinvests259
Gmall con
I turned the volume up on my phone soooooo... Daamnnnnnn... Fast......
Haha!
Woo oh black Betty bam ba blam woo oooh black Betty bam bablam!😄
You ain’t lying
I have about 10 hard inquiries dropping off this year. I hope it helps my score.
Naam, very helpful video! THANK YOU for sharing this information for FREE with no hidden agenda. I love it when creators are truly trying to improve others' lives. I wish you continued success!
During my last semester, I been going through some rough times on getting myself less distracted and I sometimes get jealous on the people that are smarter at my college but thanks to this video I finally wanted to improve on my knowledge and work ahead on my goals on being an environmental scientist. Thank you Prime consultant 001 for making this video because that will help improve my work-life balance in the future
Tons of info here - My question is, do you dispute inquiries that's more than a year as it's not affecting your score anymore? Thanks
It really doesn't hurt to try. If you have more than 4 hard inquiries within the past 2 years, then it may be worth it, any less than that, then it may only have a little effect.
@@chegilmour3547 Spam.....
@@timoortiz8732 Thought it was spam also but decided to give it a trial..
Is it too late to try to do this if you have already tried to remove hard inquiries and failed?
Got the assistance I desperately needed when I came in contact with mickeyhacks on insta
@@phillipsmith8533 still can't believe this worked he cleared it all!! Man's a genius I tell you
@@Naan.. what is your correct email?
@@riatoby4200 this guy is an imposter account. He has one N instead of two. Be careful.
I'll keep n touch on this subject. First thing I'm going 2 do this coming monday ✔
One of the quickest and safest way is to hire a professional credit score specialist who can lawfully and economically re-establish your credit score and remove negative items. I was able to employ (Jon@creditpatchup.com) who helped me erase all bad items permanently. He was also able to remove damaging items like evictions and foreclosures from my credit file! He can provide ethical, powerful, and affordable credit repair service. Right now I have an excellent score grade and all my credit debts have been wiped off. Get on your way to strong credit again.
Lenders will also look at the number of times you have disputed items on your report. This can sometimes have a negative effect on the lending you are able to get.. this is something that a mortgage lender told me.
My hero 💁 Single mom of two here. I was married for 11 years...Never had anything in my name, and accumulated 6k in medical debt. After my divorce, even with excellent income, my financial options were so high with interest 🙄😭. I'm up to 740 after 8 months. Thanks 🙏🥰
I can’t budge no matter what I’ve tried everything frustrating
Are u afflicted with anyone wit the military
@@mekaeilaw9677 i am..?
Thanks a bunch for the great information which I wasn't aware of before. :D
Hackwebz on tele, gram is real
@@user-su1hb2uh1r youre blessed thanks to hackwebz
I didn't think hard inquiries could be disputed unless they were fraud?
They can! Ex: When a car dealership ask to run your credit with “the bank” what they don’t tell you is that they are running it through several banks and each one will be a hard inquiry. Due to them not being forthcoming and making it seem like their just sending it to one bank or sometimes they will say it’s a soft inquiry when in fact it’s a hard one, you can dispute all inquiries/banks you did not approve them to run your credit through!
I haven't been able to get your updated video's ! Please don't forget about me ! You was the only one that helped me get my unemployment back in April ! I've been looking for yur video's !
I don't usually subscribe to many channels, but I saw one of your other videos and immediately subscribed lol. Information is so helpful and you explain it very simply while making a few jokes that get a quick laugh from me :P
Thanks Naam!
🙏
Semper Fi brother !!! Thank you for the great information !!!!!
Phenomenal content, Naam! New sub.
so if i want to remove a mortgage inquiry do i have to freeze from all three or only one? im still confused. can somebody please tell me thanks 🙏
I had EVICTIONS, JUDGEMENT and quite a number of other negatives items on my report with a low 400's CREDIT SCORE. These prevented me from getting a montage until I started looking for help. After Scott finished working on my REPORT in just 7days, my CREDIT SCORE increased to 780, all the negatives items on my REPORT were deleted permanently and he added good trade-lines to boost my credit mix (Mortgage tradelines, installment tradelines and Auto tradelines) on my report, I got the mortgage and that was phenomenal!
+1, 3, 0, 2, 4, 6, 6, 5, 3, 2, 9
Thanks to hiltoecyberservicescom, they helped my fix my report