591 cred ready to make some serious changes didn't realize until i got older the value of credit...😢 really feel like this should've been a high school course
The Rockefeller family doesn't agree, who funded the creation of the public school system. He was quoted (verify this, don't trust my word) as saying, "We need a nation of workers, not a nation of thinkers." It's fairly obvious he wanted blind consumers, working w2s to allow them more write offs, the w2 people to pay the tax burden they don't, and to teach how to follow orders, not make socio-economic changing moves. Just remember, when you learn, help your friends and family. All we can do imo; forge the path, and share with our inner circle. Good luck! You got this
@Naam Wynn I have an account that is now paid off and ready to close.. once I close it, will the two late payments I had be able to be seen by a creditor??
Great video! Quick question If I am shopping for a auto loan and I am looking online... If I understand you correctly only the first hard pull will have a negative effect on my score, so long as I find my loan in 30 days?? Thank you Great stuff
Called experian 2 times and they said they can't remove it I have to dispute with the accounts that are reporting the credit inquiry... did things change ???
Hi. Question.... Someone I know had applied for a loan, just say on March 2023 and was denied....but later, just say, May 2023 and August 2023 and December 2023.... He say that same company had, I'm assuming, ran his credit again, I'm assuming. Can they keep doing that?
No no no! The consumer laws stated theses companies need to give you 3 in writing or authorization b4 they report it to theses consumer credit report agencies! Facts
If the Collection Agency/Creditor does not respond within 30 Days or is unable to Validate the CRA should be removing the Account upon request...it shouldnt take Governmental Action to make that happen. Have they really gotten that bad?
This is not a good idea - the credit bureaus are in bed with collectors - with updated information- and now your going to have collectors come after you - the reason the credit bureaus are in bed with collectors is for their data - so they can pass it on. It’s good to know about soft pulls I tell my clients to make sure they also request and if caught then the violation and be enforced- to much of a hassle-
There's no such thing as a credit bureaus! It is a myth! Made up to scare us does nothing to do with the gov! Ask me why you have the power to control what gets reported on your "Consumer credit report" the real name
Why getting through this hassle. Dont do anything and wait for those hard inquiries fall off your credit between 24 and 26 months. If you want a clean or 0 hard inquiry, don’t apply for a cc or loan.
Calling does not accomplish anything. I have called all bureaus multiple times, and they all say you have to file a fraud report with the FTC and/or police report. There is NO WAY to have the hard inquiries deleted over the phone. Maybe you could do this in the past but it doesn't appear you can anymore.
Notice NOBODY has made a video/audio of them actually calling the bureaus! How hard would that be? They can even change the voices with ai. No excuses.
591 cred ready to make some serious changes didn't realize until i got older the value of credit...😢 really feel like this should've been a high school course
The Rockefeller family doesn't agree, who funded the creation of the public school system. He was quoted (verify this, don't trust my word) as saying, "We need a nation of workers, not a nation of thinkers." It's fairly obvious he wanted blind consumers, working w2s to allow them more write offs, the w2 people to pay the tax burden they don't, and to teach how to follow orders, not make socio-economic changing moves. Just remember, when you learn, help your friends and family. All we can do imo; forge the path, and share with our inner circle. Good luck! You got this
It's all good, you can do it. I got to 780 in less than 2 years and had lower than yours. Just do your research.
you ARE one of the better credit repair advisors out there thank you so much for the effort you put into helping people like me
Chicken 🐔 🐥 🍗
Loved your Hard Inquiry pull letter. Very professional. Big time cudos. :)
This was a BOMB video I learned so much thank you so much 🔥🔥🔥🔥
great break down of the process to dispute hard inquiries , thanks
Advise please. If you have different inquiries on Experian, Equifax and TU, should you file 3 separate FTC reports and 3 separate CFPB?
You could but, you have 1000 fonts worth to explain, briefly. Why waste the space?
@Naam Wynn I have an account that is now paid off and ready to close.. once I close it, will the two late payments I had be able to be seen by a creditor??
Is it true that Transunion and equinox is hard to file a dispute?
I am still waiting I been waiting 2 weeks
Great video! Quick question If I am shopping for a auto loan and I am looking online...
If I understand you correctly only the first hard pull will have a negative effect on my score, so long as I find my loan in 30 days?? Thank you Great stuff
How do I get a copy of the dispute letter?
Thanks
Very thorough and thoughtful. Thank you Naam 🙏😀
Do you offer service where you are paid to do it?
Good video. On the hard inquiry letter, would you recommend we put some form of contact on there like phone/email?
Welcome. No it’s not necessarily, since they will update via letter or you will get a notification if you have an account with them,
great vid,really useful.
GmalL
Naamwynn65
I have a different address in my Driver’s license since I move last year. Will that affect my dispute letter?
If it’s tied to that account
Can I dispute a business credit that is still open?
What happened if the original credit card copy has done a 1099. What would I do then?
I'm available for Qs via my above address
what if the hard inquiries are from car shopping and getting payments and finding the best deals? are we still able to send the letter?
Yes
Thank you so much i have 10 i need all of them off completely, when i call they say i need to send in a letter to creditor. Help
What about hard inquires for open accounts?
No
I just purchased the cease letter does it supposed to be emailed cause if so I haven't received it yet smh
Does it matter if we created an account
I need to do a build credit up
If I remove hard inquiries will they terminate the loan or the cc thst I was approved for?
I signed a document allowing the dealer to check my credit I think I won’t get far if I try disputing
You cann!! Use the gram-leach-bullet act!You saying they can check it doesn’t mean they are allowed to send your information to the bureaus
Bliley act*
This was definitely helpful and knowledgeable thank you very much!!!!
Welcome!
I need the letter 👀
I'm available for Qs via my above address
Called experian 2 times and they said they can't remove it I have to dispute with the accounts that are reporting the credit inquiry... did things change ???
I got 24 hard inquiries deleted today less then 20 minutes bro..with Experian so they will do it.u just got to no way to say.
Hi. Question.... Someone I know had applied for a loan, just say on March 2023 and was denied....but later, just say, May 2023 and August 2023 and December 2023.... He say that same company had, I'm assuming, ran his credit again, I'm assuming. Can they keep doing that?
Only if he authorize them to do that
Does not work anymore
Why?
I tried and didn't work. Transunion replied, saying that wasn't the way for that kind of dispute. Closed case. Nothing got removed
I feel like this has to have some legal culpability - filing identity theft against hard inquiries you authorized, no?
No no no! The consumer laws stated theses companies need to give you 3 in writing or authorization b4 they report it to theses consumer credit report agencies! Facts
Naam, if I freeze my credit (to prevent identity theft), does it affect my Credit Score?
No it does not
Nope! But don't lose that number they give you or it will be hard to un freeze it
arent we supposed to do this only on closed accounts?
Closed or denied accounts. If you do it on an open account they'll generally close it.
If the Collection Agency/Creditor does not respond within 30 Days or is unable to Validate the CRA should be removing the Account upon request...it shouldnt take Governmental Action to make that happen. Have they really gotten that bad?
DONT FORGET TO FREEZE ON CLARITY
how i am i in dept and never had a credit card in my life unbelievable
Thank you
Welcome!
Which is better to use for disputing late iquriuries? Credut rehab pro or scoremaster?
Thanks
CreditRehab will allow to follow up letters.
thx
impossible
But it’s not
No, this is not illegal.
I did file the police report, and i did file the complaint and everything, and nothing happened. Oh well...
Just fwd this comment over there right away.
GmalL
Naamwynn65
All these videos are waste of time. You can't really remove them.
But you actually can. You won't know unless you try. Some I can get off, some I can't
@@NaamWynni tried and didn't help
i did
It doesn't work
@@nancyaispuro6194 it does ive improved 50 pts in 3 weeks
Wait 2 years
That works too!
This is not a good idea - the credit bureaus are in bed with collectors - with updated information- and now your going to have collectors come after you - the reason the credit bureaus are in bed with collectors is for their data - so they can pass it on. It’s good to know about soft pulls I tell my clients to make sure they also request and if caught then the violation and be enforced- to much of a hassle-
Hard inquiries are not the same as collections
There's no such thing as a credit bureaus! It is a myth! Made up to scare us does nothing to do with the gov! Ask me why you have the power to control what gets reported on your "Consumer credit report" the real name
ISNT THIS ILLEGAL????
Why getting through this hassle. Dont do anything and wait for those hard inquiries fall off your credit between 24 and 26 months. If you want a clean or 0 hard inquiry, don’t apply for a cc or loan.
Calling does not accomplish anything. I have called all bureaus multiple times, and they all say you have to file a fraud report with the FTC and/or police report. There is NO WAY to have the hard inquiries deleted over the phone. Maybe you could do this in the past but it doesn't appear you can anymore.
Notice NOBODY has made a video/audio of them actually calling the bureaus! How hard would that be? They can even change the voices with ai. No excuses.
Why suffer fools? Just skip to the complaint method.
I literally just called yesterday and had 8 inquiries removed in a couple hours
@@J2SuaveLifedo your credit go up?
Hard inquiry dispute letter link does not work
Get a
"Sorry, unable to open the file at this time.
Please check the address and try again."
Send me an email, and ill get it over to you