How To REMOVE Hard Inquiries From Credit Report For FREE!
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- Опубліковано 16 чер 2024
- In today's video, I will show you How To Remove Hard Inquiries From Credit Report For Free! All my recommendations 👉🏾 bit.ly/naamwynn
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👉🏾 FREE HARD INQUIRY Dispute Letter: bit.ly/2MhNbmr
👉🏾 Complete Hard Inquiry Guide: bit.ly/48ORdbk
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In fact, everything that I'm about to share with you in this video will be 100% free. You should never have to pay to have hard inquiries removed from your credit report. This service you can do it yourself! No matter who you are, you can benefit from getting hard inquires from your credit report.
With that said, here's what you learn in today's video.
First, I'll explain what is the difference between a hard inquires and a soft inquiry. Once you guys grasp the concept of what these are then we will move on to how to remove hard inquires from a credit report.
Next, I will share with you exactly what do you need to do first prior to dispute your hard injury. This will require you to get a copy of your credit report and checking out which parties you would want to dispute.
Afterwards, you would need to place security freezes on a bunch of different credit bureaus and providers. This would prevent the three major credit bureaus from accessing this information, which makes them do the dirty work to find out whether you authorize this hard inquiry.
Remember this is not your responsibility to find this information out, it is the credit bureaus.
Next, I will share with you exactly what needs to be in your letter and all the necessary paperwork that you need to send with you later. I also discuss an alternative method if you're more text savvy and you want to dispute on the credit bureau's website.
In the end, you will know the EXACT steps to get the approval!
All the links mentioned (Wait about 30 days before disputing):
Innovis Freeze: www.innovis.com/securityFreez...
Lexisnexis/SageStream Freeze: consumer.risk.lexisnexis.com/...
By Mail (Max of 5 items per letter):
👉🏾 FREE HARD INQUIRE Dispute Letter: bit.ly/2MhNbmr
👉🏾 FREE BASIC DISPUTING LETTER: bit.ly/3k7wYOW
Experian Letter Requirements: bit.ly/2RmZYDt
Transunion Letter Requirements (Under Can I Dispute By Mail): bit.ly/3bWYp8A
Equifax Letter Requirements: bit.ly/3it8L2L
Online:
Experian:www.experian.com/disputes/mai...
Transunion: www.transunion.com/credit-dis...
Equifax:www.equifax.com/personal/cred...
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#creditrepair #removehardinquires #credit
DISCLAIMER: This video and description contain affiliate links, which means that if you click on one of the product links, I’ll receive a small commission. This helps support the channel and allows us to continue to make videos like this. Thank you for your support!
DISCLAIMER:
This video is for entertainment purposes only. I am not a legal or financial expert or have any authority to give legal or financial advice. While all the information in this video is believed to be accurate at the time of its recording, realize this channel and its author makes no express warranty as to the completeness or accuracy, nor can it accept responsibility for errors appearing in this video. - Навчання та стиль
They should teach how Credit effects your life in high school
Truth I’m teaching my kids now and they’re still in elementary 😩😩😂😂
Great thought. That's all it is. Will never happen. The wealthy needs to make their off of 99% of people's lack of knowledge.
They should also teach taxes, personal finance and how to repair cars in high school like they used too.
@@KOLAkola Even better
Not their job… parents should teach their children.
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
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 🍑
I get such GREAT service every time I go to the *850 CREDIT RESTORATION* and the IRS is SO wonderful to work with. I DEFINITELY want the Government in charge of my Social Credit Score! This couldn't possibly be misused in ANY way! All the data breaches that the VA has had makes me confident that my data would be TOTALLY safe!
Since I met DiscreetPhaseResolution I was able to resolve all my issues from my Account kudos to that great man behind my smile you’re the best
Since I met DiscreetPhaseResolution I was able to resolve all my issues from my Account kudos to that great man behind my smile you’re the best
Since I met DiscreetPhaseResolution I was able to resolve all my issues from my Account kudos to that great man behind my smile you’re the best
@@neomatrix4136 Little tip. When trying to lure someone in with spam, do not post 5 identical posts at the same time. DO BETTER!! lol
dear god, we're reaching levels of sarcasm that shouldn't be possible!
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 Marvin and *Top Phase Resolution* was so helpful during the process of boosting my credit
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.
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!
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.
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.
This video Is golden. Thank you for providing true value. So many youtubers today go straight for the ask. Subscribed.
Good job on explaining everything sir. You made it so eazy for me. Thx. May your channel keeps growing and growing.
thank youuu for this video!! you explained it so well 🙌🏽🙌🏽
Thank you! This is great information. I will definitely use your free letters in my credit repair journey!
Thank you Naam.
I've been listening and learning from you and a couple others.
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 Marvin and *Top Phase Restoration* was so helpful during the process of boosting my credit
Learned a lot of new things from this video. And I like that you are getting to the point. Great video. Thanks
Thanks bro the best person on UA-cam so far.
Thank you. I'm rehabilitating my credit right now and this was perfect information
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.
Well explained, I'm subscribing, thank you!
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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! ✌️
*get* *to* *him* 👆👆 *he* *will* *definitely* *help* *you*
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.
Thanks so much for the clear information and free materials! Subscribed.
Information was very helpful thank you very much for all your help
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.
Thank you so much for the extra knowledge 💪🏾
Great content... I’m a new subscriber THANKS
EXCELLENT. I learned a lot from this video. Very helpful! Thank you.
Thanks for the info will subscribe and sponsor your info. Sharing info to help people achieve there goals. That's is awesome! Thanks again!
Thank you for the valuable information I’m putting this to work today
Thanks for the information about the opt-out process. That was extremely helpful.
Hackwebz on tele, gram is real
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
You are freaken AMAZING by linking us with all the information to get it done! I truly appreciate you! THANK YOU!
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?
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
this was sooooooo good it put all the little pieces and had into one big picture
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} ....
Subbed liked and hit the bell. Thank you for all your hard work making these videos
You rock!
You have really given great information compared to many on u tube concerning credit. 💯❤️❤️🙏🙏🙏🙏🙏💯💯💯
You are the first guy to give all the links for this. Thank you.
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thanks for the video learned alot I think i got to use this
Awesome!
Wow! Great information. Very helpful. Thanks
You are awesome brother!!!! Thank you so much for that information
Phenomenal content, Naam! New sub.
I had to call back 2x but followed your instructions and it worked! Thank you so much!!
Good to hear!
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.
Semper Fi brother !!! Thank you for the great information !!!!!
IT REALLY WORKEDDDDDDD OMGGGGG IT WAS REMOVED IN 2 HOURS !!!! THANKYOU SO MUCH
Awesome information about disputes. Thank you
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.
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
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Thank you what a helpful and easy to follow resource
Thank you so much dear. you're very helpful with no B.S. or selling products
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👉🏾 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?
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 drove my first car in my dad's name and later went to get a truck in mine after I paid off my first one and drove off the lot with the truck I wanted, its mostly about a good credit score and a loan portfolio helps as well...lenders like to see various forms of loans in your name to be less of a risk and yes you might have to put money down but not HALF of the car loan Your exactly right I screwed my credit as a young man now I own a detailing company and can't get anything with out the full amount of cash. I'm working on my credit to get better with *850 CREDIT RESTORATION* , Love the knowledge keep it up
Thx so much.. never heard of those other three companies. Super helpful
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
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
That’s a very important information! Much appreciated 👍🏻
Thanks a lot for extremely helpful information
You're very welcome!
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Just an Updated FYI. Experian and Trans Union will not let you dispute Hard inquiries online. Good video and solid info though.
Thanks!
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!!!
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.
Most helpful straight to the point video I've watched this year. 😊 🙏 😊 🙏
Sir you are the real MVP! Thank you
Highkyhack/t e l e g r am did it.
Some real help, no click bait!
Tyy
This has been very helpful! Thank you
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.
I co-signed my wife a new car and I have over 5 different inquires from it. Thank you!
Thank you for your awesome help man! It means alot!!!
Any time!
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
Nice 👍 video Naam.
Definitely had to subscribe to help support a fellow Devil Dog👍🏽👍🏽
Semper Fi devil!
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Oh wow Semper Fi
Good stuff
Do you unfreeze lexisNexis and the others before applying for loans??
Extremely helpful and a great resource Thank you
*naamwynn1*
*G - malL*
Much Love and Respect !!!! 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
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??
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
Legend thank you 👍🏻
Very good information. Thanks 😊
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??
Bruh I had a 799 and I bought two properties and the bank I had been dealing with didn’t set up my auto deduct payment withdrawal. Went two months not knowing and got hit hard on my credit. I called my lender and she acted like there wasn’t anything she could do. I wouldn’t be at a high score like that without being responsible, I cannot believe after using *Discreet phase resolution* they pay off collections and charge offs, my credit score is going between 670-843 in few weeks 🥰🥰
When trying to get late payments removed on an active account, if it cannot be verified by the bureaus, do they remove that late payment and show on time payment for that month, show no information available for that month, or delete that account off the credit report? I want to get my late payment history corrected but not sure how disputing with the credit bureaus affects the active account if they cannot verify the information to be accurate, I wouldn't have been able to take them off if not me meeting *CyberHackSpy202🪐net *
Took a year for me to build my score from mid 400s to 600 where I’m stuck now. I have 2 credit cards, a self account, auto loan. Everything paid on time and utilization 5-10% paid off every month. Thinking of applying for a new credit card or something cause my score isn’t increasing Great recommendation, this helped me alot. *Discreet phase resolution* was one of the best things I had come across as far as boosting your score. I don't remember the actual number of how much but it was somewhere cool!!
SCRAM SCAM!!!!!
@@jackiraguzman1724 How are you doing now?
Thank you so much for this information!
your awesome bro! keep up the great work!
Thanks man!
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?
Finally a channel that gets to the point and has no fluff for buying other products. 🥰🥰🥰 Newly Sub
A credit freeze, also known as a security freeze, prevents the credit bureau from sharing your credit report with any person or entity without your permission (it prevents hard credit inquiries). Look it up. Hence it cannot increase your score. Let allow even allow you to get a hard check and get approved. Disputes are not for hard inquiries unless you did not approve it. If you did you can get in trouble for fraud. Try it several times over and you just increase that likelihood.
@@ericknyevz3840 I froze my information at all three companies, but it does not prevent hard inquiries. I had a hard inquiry after doing so and it did not prevent it going on record.
@@Letsroll000 I think you might need to read what I wrote again... lol
@@ericknyevz3840 I just reread the comments linked to your video, not seeing anything I didn't catch before honestly. Not knocking your video just stating my experience. Trans Union stated they would need a letter from each of the companies that made the inquiry. I since was able to get a hold of one of those companies and they told me, I would have to get a hold of one of the three dealerships that I visited and discuss it with them. I couldn't progress any further. It was a vicious circle. and it was not for lack off trying multiple days and an hour a two at a time. So I remove the freeze from all three companies that was recommended and will just ride it out I guess.
There are adds in between during the channel.
Love you’re intro. 💯
Subscribed immediately. Definitely sharing thank you for the breakdown of info. Look forward to going through your videos. 😊
Keeping your credit report frozen is such a game player
@@chegilmour3547
Yeah right 😂
Yes we
What should you say under the dispute for the online version?
Took a year for me to build my score from mid 400s to 600 where I’m stuck now. I have 2 credit cards, a self account, auto loan. Everything paid on time and utilization 5-10% paid off every month. Thinking of applying for a new credit card or something cause my score isn’t increasing Great recommendation, this helped me alot. *Discreet phase resolution* was one of the best things I had come across as far as boosting your score. I don't remember the actual number of how much but it was somewhere cool!!
you are a great teacher.
I have about 10 hard inquiries dropping off this year. I hope it helps my score.
I've frozen all of these, disputed my inquiries, and none of them were ever deleted. Tried this method years ago
You are amazing! Thank you for being you!
Thanks for this video . Never knew this so I froze all of them.
Crazy question. Is it explicitly illegal to dispute inquiries you did authorize?