Experian 24 Hour Hard Inquiry Removal Hack

what's going on you guys marvin francois here owner and founder of francois capital llc and today we are making this video to teach you guys the experian 24 hour hard inquiry hack now wait wait wait wait hold on wait wait wait i know you're excited for the hack but listen full disclaimer only use this hack on hard inquiries that are not connected to open accounts all right i'm gonna say one more time only use this hack on hard inquiries that are not connected to open accounts and while i have you here if you don't mind if you would like share comment and or subscribe to channel it will help me out a ton so if you can please once again like share or comment and or subscribe right that would help me a lot but yeah back to the video now i'm one of the people where i'm not going to teach you something to tell you something that i myself have not done this is one of the many uh hard inquiry hacks that i normally use whenever i'm disputing or working on somebody else's credit to get hard ink the hard inquiries off their credit report from experian all right so now with this heart inquiry hack like i said this is a 24 hour hour hack all right and i'm going to give you a step-by-step uh one after the other methodology very simple very straightforward about how to get this done so first and foremost step number one is that you're gonna call experian now if you google experian right now you're gonna find at least three to four different numbers this is the number that i use each and every single time that i want to conduct this hack all right this is the number that's going to get you the the best results and uh give you the highest possibility of getting connected to an actual representative so you're gonna call this number step number two after you call this number they're gonna give you two options i'm gonna say press one if you're a consumer or whatever it may be or press two if you have a business or account with whatever it is that they say always press two if you press one you're gonna get sent in a million different directions if you press two they're gonna connect you right to a representative okay step number three after you get connected to a representative now i want you to pay very close attention to this step after you get connected to a representative they're gonna say how can we direct your call you're gonna say i would like to speak to the fraud department they're going to say please hold and they're going to connect you to another representative whoever it is that they connect you to next is not in the fraud department that's why for this step you're going to have to repeat this twice so the first person that picks up you're going to say i would like to speak to the fraud department then they're going to connect you to someone else again then to whoever else it is you're going to say i would like to speak to the fraud department all right after you say that the next person the third person that you get connected to is going to be in the fraud department but they're going to say hi i'm so-and-so from special services all right so when you call you could say either say fraud department or special services typically i like to say fraud department because it's more or less the same but when you hear them say i am so and so from special services that's how you know that the person works with the fraud department now step number four you're gonna get on the phone with them right first thing i'm gonna do is ask you some security questions social address very basic information once you get that done and they're you're locked loaded and ready to go you're going to say this exact thing you're going to say they're going to say what's the reason for your call you're going to say i have several hard inquiries on my report that i would like to be removed all right uh i've sent several disputes in regards to these inquiries these inquiries are fraudulent and i want them all removed once you tell them that you've sent several disputes the first thing they're going to do is check the system to see if you've actually sent the disputes chances are you probably haven't and they're going to tell you hey we don't see anything you're going to stand your ground and say hey i i don't know what to tell you but i've sent these disputes i've sent the speech to you if you want to spice it up another thing you could say is i've sent disputes to the cfpb all right that's the consumer financial protection bureau they're kind of like the big brother of all these uh experian transunion equifax you could do that as well but just stand your ground and repeat that after they tell you they haven't seen uh uh they don't see any disputes double down i've sent several disputes i don't know what you're seeing in your system but i've sent several disputes and these inquiries are fraudulent and i want them removed expeditiously if you want to use that one you use that word too all right after you've said this the person will be like all right cool which hard inquiries would you like to remove you tell them which hard inquiries you want to get removed from the report one after the other 24 to 72 hours later all the hard inquiries are gone very very simple now one thing i need you guys to remember and i'm gonna slide over here since you see right so the first thing i want you guys to remember is only do this for hard inquiries that are not connected to open accounts if you're fixing your own credit whatever it may be this is one of the golden rules of credit repair the basics of credit repair that you have to know you can't touch hard inquiries that are connected to open credit accounts the reason being is because if you try and dispute them or claim fraud or whatever it may be you run the risk of now getting that account closed by the creditor you can only do this hack for hard inquiries that are not connected to open accounts all right and also another question i get when it comes to this hack is a lot of times okay so let's say you applied for uh jp morgan and chase card twice right the first time you applied you didn't get approved right so now you have one heart increase the second time you applied you do get approved so now you have the heart inquiry and you have the heart card right sometimes people say well can i at least wipe the first hard inquiry because that one i didn't get approved for even when in situations like that do not touch those inquiries because a lot of times the creditors and the bureaus may not be able to differentiate between the two and you can still run the risk of getting that account closed all right so don't touch any hard inquiries that are connected or have similar names to any open accounts that you may have on your credit report and the second thing i want you guys to remember is that if the hard inquiries don't come off in 24 to 72 hours just call again there are instances where once you get connected to someone who's working in the fraud department they may or may not do it the first time around or or they may say hey i'm going to dispute it or whatever it may be if it doesn't if you don't see those inquiries come off in 24 to 72 hours hang up call again just that simple now if you do this hack over and over for whatever reason you're still having some difficulties or you're just straight up don't want to do it for yourself at all you want a professional to do it for you that's where my company francois capital comes in all right we specialize in moving heart inquiries student loans charge-offs bankruptcies and so much more so if you don't want to do none of this and you want someone like myself a professional with an actual company to handle it head over to francoiscapital.com book your free credit consultation so that you can get your credit repair today the capital way god bless

Channel: Marvin Francois

Views: 196,434

Rating: 4.9666114 out of 5

Keywords: hard inquiry, hard inquiry hack, hard inquiry removal hack, experian hack, credit repair, credit hack

Id: UpLtWd2JYso

Length: 6min 35sec (395 seconds)

Published: Tue Jan 05 2021