The Easy Way To Remove Hard Inquiries in 7 Days

experience transun eifax are cost you 50 additional credit score points because of those hard inquiries there is one specific law that help you go from this to this because once you understand how the credit barrel system work you'll be able to consistently delete those hard inquiries from your credit report just like this without waiting 2 years but only watch this video if you want to remove them hard and CH to increase your credit score because I'm on a mission to help millions of people improve their credit so they can get a 700 Plus credit score so they can get access to $100,000 to invest into income producing assets that'll pay them over and over again so to delete those hard inquiries in the next 7 days it only come down to three simple steps first you need to understand that the credit barrs really don't want you to know this however once you learn this one thing to look for on your credit report you'll be able to see how the credit bars are violating the federal law so here's how you can take advantage of the credit barre's reporting system call experience Transunion and eax and order your Consumer Reports once you receive your Consumer Reports go to the section that says hard inquiry now look at each hard inquiry what you're going to notice is the name of the hard inquir and you also going to see the date of the hard inquir but most importantly what you're going to see is permissible purpose but you're also going to see some of them that don't have peris purpose so now what you want to do is go get a pen and circle each one that don't have permissible purpose just like this now this leads into step number two creating the perfect letter there are some things you want to add to your letter to increase your chances to removing those hard inquiries from your credit report so now you want to create three separate letters here's why on experience you had a list of heart in ch that didn't have permissible purpose the same thing for TransUnion the same thing for eoa you you don't want to mix it up so we want to create three separate letters to help you remove those hard inquiries from your credit court so all you want to do is say you want to have your name at the top right and you want to say dear experience I just looked at my credit report and I noticed that there are some hard inquiries on my credit report that don't have permissible purpose according to the Fair Credit Reporting Act anything furnished on my Consumer Report must have permissible purpose according to 15 USC 1681b now what you want to do is list all those hard and quiets that didn't have for princial purpose on experience so this is what you want to do you want to put the name the date and say delete this hard inquir because it doesn't have to missal purpose according to 15 USC 1681b and do the same thing for all the other hard inquires that don't have permissible purpose on your credit report now we're not going to send a letter to the credit barrels here's what what you're going to do instead now this leads us to step number three F the complaint with the cfpb now if you don't have an account with them here's what you want to do go to Google and type in cfpb and click on this now what you want to do is click on submit a complaint and it's going to take you to creating a profile now create a profile now once you're in the back end now you want to click on submit a complaint now you should be on a screen that looks similar to this all right now what you want to do now is just click on credit reported and then scroll all the way down to the bottom and click on credit reporting again now you're going to be on the screen that looks similar to this so here's what you want to do you want to click on and proper use of credit reporting all right now scroll all the way down to the bottom and click on credit inquiries AR you report you don't recognize now I'm not saying you don't recognize them but we're this is just the best one because it's the only one that have hard inquires all right so have you already tried to fix this problem have you already tried to fix this problem with the company yes now what you want to do is just scroll down did you request information from this company yes I mean no and then what you want to do is click on next all right now what we're going to do is be very detailed as possible so basically what we're going to say is everything that happened all right who what when how why all right so I just recently looked on my report December 17th 202 all right and I saw some hard inquiries right here that do not have permissible purpose I also attached the evidence that evidence that you're going to attach is your your letter right and the report so we're only talking to um a specific credit bar so are we talking to experience Trad unit Equifax all right and you can put that here you know I just recently at my consumer report from experience on December 17th 2023 and I saw some hard inquiries that did not have have princial purpose are also attached to evidence all right so this we just want to be very specific as possible and let them know what happened all right so what you want to do is put the name of the hard inquiry and the date that has happened and this inquiry has no per purpose to be on my report delete the hard inquiry due to violation of 18 USC 1681b and list all the hard inquiries on that report but most importantly we're going to copy the same thing right and then what we're going to do is just scroll down cuz what you're going to tell them is what's the fair resolution you want these things to be deleted so put the name of the hard inquiry and also tell them to remove it due to this all right and now how you attach that evidence right here you select um file to upload so you attach the report you attach the um the letter and then you want to click on next now this is important all right so who are we talking to are you talking to to experient are you talking to Trans Union are you talking to Equifax all right but for this example since we're talking to experient you want to put experient all right so experient information solution um and then what we want to do is just put your social name as appears on your credit report and date of birth you'll know that because you'll have your report and you'll be able to see that information put your social your date of birth and put your name as it appears on your credit report and do you want to complain with another company no and then what you want to do is click on next and here's what's going to happen next now you got to wait but when it comes to credit repair as you know everything isn't 100% guarantee I just want to give you a quick and easy way to remove them hard inquiries based off the law because as you know the credit BRS like to play Crazy and I know your time is very valuable so I want to show you a quicker solution to remove them hard inquir so if they don't come off you have to follow the process of using the FC with the letters and then continue following up with the different laws and I'm going to walk you through the process I just want to give you a quick and easy way do that first and then if that doesn't work let's go ahead and do this process of using the letters and then using following up with more letters and then using the cfpb to remove them hard and chirs but if you've been a victim of like identity theft and you have hard inquiries that that is that does not belong to you here's what you need to do you should contact a lawyer all right you want to contact a lawyer because guess what if you have unauthorized heart inquir you've been a victim of identity theft you're probably entitled to a lot of money because it's affecting you from applying for things and getting approv for things all right so you should contact the lawyer if you don't want to go to lawyer route all right you can go to a different you can go to multiple places all right you can go to the police station F and fill out a police report to get those removed off your credit report or you can go to um ftc.gov if F like identity theft claim to remove them hard inquiries based off of what you got going on but I highly suggest suggest you go talk to allore if you have time because guess what it's going to be more likely to they're going to help you because the credit Bills play crazy all right so go talk toor however let me show you what you need to do first if them if them enquiries don't come off through the cfpb I'm going to show you how to create your letter and then follow up with the laws and then create another complaint so you can get them hard inquiries remove so let's get into it I'm going to create our letter yes I'll have this letter for you in the um description but we want to create three separate letters one for experient one for TransUnion one from Equifax all right this is why the report is very important seeing what heart inquiries are on experience what hard inquiries on Trans Union and which ones are on Equifax all right and we're just going to use this based off the law okay so here's how you want to create your letter all right you want to put your name of course today's date and who are we addressing this to all right experience trans eifax and the information all right and all you're all you're doing is saying all right I just recently looked at my report and I saw some hard inquiries that do not have permissible purpose can you reinvestigate their inquiries listed below I also attached the evidence all right so just list all the hard inquiries that don't have permissible purpose the name of the inquiry and the date and this inquiry has no permissible purpose to be on my report delete this inquiry due to violation of 15 USC 1681b and just list all the ones that are on your on your report that don't have permissible purpose the ones that aren't experien we're gonna list all the ones that aren't experien and create another letter um the ones that have Transunion and then create another letter the ones just for eifax right and make sure you send this letter certified and make sure you add two forms of identification and you can also attach the report so you can show evidence as well because you already know the credit bureaus like to play Crazy so send this letter certified go to the Post Office send it certified they know what you're talking about they're going to either say return receipt or just track in either or you just want to make sure the credit bills receive the actual letter and do an investigation now if you don't get the hard inquires removed now let's go back to the cfpb and actually file the complaint based off of what happened okay so what you want to do is of course log into your portal and if you don't have a portal if you don't have an account all right create an account and then log in all right so you want to be on a screen that looks similar to this and just click on credit reported and and click on credit reporting again all right so just scroll down and then click on next now you should be on the screen that looks similar to this now what we want to do is look for a way to get them hard inquired so improper use of your report now we're not saying that the hard inquiries you don't recognize we're just you know telling them based off this is the only one that has based off a hard inquiries all right you already try to fix this problem and based off of your complaint is based based off of how you're going to tell did you request information from this company um no and now you should be on a screen that looks similar to this and all you're doing is telling them what happened what you did so I just looked at my report on December 1st 2023 or whatever day it is you just tell them what you did I saw some Harding FS that did not have permissable purpose I sent a letter to exper or you be sent letter to exper or TransUnion or ecopax remember you're going to create three separate complaints so whoever one you're send a letter to on December 2nd 2023 here is my tracking number 23 4 and I ask them to investigate this but they still haven't fixed the problem can you read can you investigate this matter I also attach the evidence so now what you want to do is just tell them to delete the hard inquiries listed below so you just want to put the name and date of the inquiry and just put all the ones that are on that letter all right so now what you want to do is just attach the letter and the report that don't have the hard inquires that don't have permissible purpose of what you did so select a file take a picture of the letter that you sent and also take or upload that report that don't have um the inquiries with permissible purpose and then now what you want to do is just click on next now it should be on a screen that looks similar to this and all we're doing is fing a complaint with either experience Trans Union Equifax so just look them up experient information solution TransUnion whoever all right name as appears date of birth and all you're doing is putting your information do you want to complaint with another company no all right we want to create a separate complaint and then do one for a Transunion and do one for eifax and then what you doing next is just verifying your information and just wait now what you need to do is just review your complaint make sure everything's completely failed out and click on submit but I have a question for you do you have a collection on your credit report What if I showed you the secret to get it up to $1,000 for every collection on your credit report yes all you have to do is just go to this video right here and I'm going to show you the strategy so you can get paid up to $11,000 I'll see you in this video right here

Channel: Dave Cousins

Views: 4,705

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Id: u9Zf-WrGJSE

Length: 13min 13sec (793 seconds)

Published: Tue Feb 06 2024