It’s not as easy as you think…. Removing hard inquiries is tough. I am like you…. I just went to the dealer and purchased a car…. And got 7 hard inquiries…. They said once you sign to have your credit check by the dealer they said you accepted the terms and conditions…. You gave them that right.
Technically on paper yes, i usually tell them I have no idea where they come from because I did not approve for this bank/lender to run my credit and they remove it for me
@@adamsolis thanks for your reply. So just to make sure, removing an inquiry from the personal credit file does not affect the open business credit card that only shows up on the business credit file. The reason I am double checking is that I know that it is not recommended to remove an inquiry on the personal credit file if that inquiry is associated with an open “personal” credit card.
Experian is easy. Equifax and TransUnion keep refusing requiring me to file an FTC report for identity theft and then send in the document. The problem is, if you report it as ID theft, if they contact the creditor about the inquiry after you dispute they may close the new account.
WHAT YOU DIDN'T SAY IS THAT WHEN YOU CALL THEM UP ASKING THEM TO TAKE THOSE HARD PULLS OFF ,THEY PUT A HOLD ON YOUR CREDIT, MEANING ,YOU AINT GONNA BE BUYING ANYTHING BIG FOR A LONG TIME!!!
What type of Inquiry is it? Credit debt? Medical? Loan? I’ll make a video soon on it Give me some detail info so I can cover it exactly! Thanks for commenting and asking🙏🏼
Is it ok to remove an inquiry even if that inquiry was used by a bank that approved for a business credit card (that does not report to personal credit file)?
Not true all three credit bureaus will tell you to contact the merchant and the merchants are go tell you it’ll be a soft pull or some will say you have to keep that inquiry they all told me a soft pull and sent me letters in the mail stating a soft pull but the inquiries stayed on my credit report and not starting to go off my credit report because it’s at 2yr mark. All lies!!!
Applying for a Loan lowers your credit score. A dealership will shotgun your credit to many lenders if they want to, which does effect your score. May not drop the same for everyone but it doesn't take away the fact that its real info and not "made up". just saying..
@@BwadeReacts May be the rep working not wanting to help, sign up for a TransUnion account and they have a dispute tab - dispute them all and that is a second option. 3rd option would be to write a letter but these first 2 have ALWAYS worked for me.
