How To REMOVE Hard Inquiries From Credit Reports for FREE! In 24 Hours 😳

[@MikeTheCreditGuy]

➡️ Set up Free Credit Analysis and Mike will let you know what program you Qualify for. my.limitlessculturegroup.com/signup-request ⬇️ DISPUTE LIKE A PRO DIY Credit Repair Get Started ⬇️ disputelikeapro.co/ ⬇️🚨FICO®️ SCORES $1.00 on 7 day trial🚨 secure.rspcdn.com/xprr/red/PID/11958/SID/KZbin 🚨We will never ask you to email us. We have trusted links in our video description for booking a consultation and the for DIY program and for any products we talk about. We do not support or represent any scammers in the comments promoting any credit repair people. Do not respond to anyone promoting credit repair they are all scammers.

[@Yah_ThatsMe]

Mike what can one do if an attorney filed a chap 13 without your approval and the banks remove your credit card and close accounts.?

[@MilenaKoncar]

Ok, so the HARD INQUIRIES that are in my Profile that came from the 2 Personal CREDIT CARDS i actually was approved for, THOSE cannot be taken out? 1st one is Capital One Visa Sept 2022. ($500 credit). 2nd one is Mercury Card (i think its Visa, but it may be Master Card, i dont remember really) ($2,750 Credit), this one is from October 2023. Can i take those out? My Fico 8 Credit Score from the Experian app and Website is 775. If these 2 can be erased, what steps should i follow? I love your channel! I just discovered it and Subscribed and started binging!😂🤦🏼‍♀️ I want to RAISE MY CREDIT LIMITS. ASAP. Any tips or videos on that, for my situation?? I use less than 10% monthly and pay it fully every month or more than once a month. Y 19 year Mortgage payment history is 100%. No other negative marks of any kind. Only those 2 hard inquiries 🫤

[@id-10-terror7]

It works exactly how you said it would work. I called in to experian during the late afternoon a few years ago to try and get my hard inquires removed, they not only told me no but messed up my name in the process. I called in the next morning snapping about my name the rep fixed it and also removed my hard inquires

[@MikeTheCreditGuy]

Glad it worked out for you fam. It’s crazy how you can literally talk to another person and everything changes 😂

[@ZugattiEnterprises]

Mike do u repair credit

[@CKeys-h4z]

I did it. Thank you thank you thank you. I cant say that enough. I am extremely grateful for your assistance. I got hard inquiries removed in less than 48 hours from transunion but I made them put me on with a supervisor and threatened to get in touch with a lawyer. i am so happy. On to bigger better things.

[@MikeTheCreditGuy]

Fantastic! Congrats and thanks for letting them community know fam 🙏🏽

[@Perry-q8k]

It's work they remove all my inquiries, thank bro

[@MahoneyBadger]

We got a loan through USAA, the dealer said, “you want us to see if we can get you a better rate?” I say, “as long as it’s not a hard inquiry, sure.” They say, “yeah it will be a soft pull” so anyways they couldn’t even come close to the USAA rate and my my wife got multiple hard inquiries on her report. Scumbags.

[@MikeTheCreditGuy]

We can't ever trust these damn dealership for anything Fam 😤

[@MahoneyBadger]

@@MikeTheCreditGuytrue dat! my first car from the dealership and I feel like I learned a lot that I will use as ammunition for the next one.

[@smilejoe8736]

Lessened learned

[@beaniel2326]

​@@MikeTheCreditGuy Sorry, I don't understand what you mean by you don't want to delete open or closed accounts. I just got a hard pull from Navy Fed. Was approved, but Id like to get those points back, if possible.

[@MikeTheCreditGuy]

@@beaniel2326 You got approved and got the account. Now that will create a new open account. Now that hard inquiry is attached to the new open account with navy federal. Do not attack that account as they may think it is fraud and close the account. This is why it’s important to know where you will apply next and understand that the hard inquiry will stay they for a full 2 years. So don’t attack any hard inquiries attached to open account or closed accounts. Hope this helps fam 🙏🏽

[@kevinprice7845]

I have begun to listen to you and have subscribed. This is awesome. Thank You for the information. Iwilk trsearch more and try some of your technics on my credit report as well as reach out to you for morknowlege. I sporwviatw the education. You are GREATLY APPRECIATED. Sincerely, KP

[@cooknup215]

Can we get a video on deleting STUDENT LOANS

[@toyasmith1025]

I tried this and after lunch, the Rep stated I needed to submit a police report I called back to back like you suggested. Lol😂

[@jedidiasobedgarciamedina4344]

And did it work ?

[@elg281]

Always learn so much from your videos.Blowing my mind. Thanks for the knowledge.

[@onestar45]

Mike, your info is AWESOME!!!!!

[@christopherstubbs4695]

I had a pre approval from Navy Federal and a check from them and the auto dealership still ran my credit like 8 times !!

[@coreysmith8290]

why did you give them your information to even run it? if u had a check there was no reason to give your ssn

[@marlener6960]

That's so not right! I'd report that dealership tothe State Atty Gen's office that dealership is in!

[@anpredictable]

Amazing! Actually step by step!!!!

[@llkalikrazell]

So having multiple hard inquires in a 30 day period, count as one but when you say "you don't want to go over the 4 hard inquiry mark" is that within that 30 day period or are you meaning having more outside that 30 day period counts towards that 4 hard inquiry mark?

[@anthonyfolmar2220]

I want to see you do this because I've done this and only experian took them off

[@jasonudchitz302]

And after having that hard inquiry done it will stay on your report for two years. We told the dealer we told the manager that we already had financing coming into this, Once we got inside the finance manager's office to find out what our payments were gonna be. They ran my wife's credit times without any of our permission. She still has four more months to go before it's all removed.😢

[@diannacotwright4892]

Thank you. Great information.

[@cindie6864]

thanks for your hard work

[@bolaakanniowodunni1044]

Hi, please i just wanted to know if i can use one virture address and one toll free number to regster multiple businesses. Thank you.

[@ron_m255]

The dealership I went to did 5 hard inquiries, shopping around for a better rate for me, which I did not authorize. It dropped my score by more about 30 points.

[@MikeTheCreditGuy]

Attack those hard inquiries fam! You got this 🙏🏽

[@haleyg1661]

GOING THROUGH THE SAME THING RIGHT NOW UGH

[@onestar45]

I need some clarification! do hard inquiries stay on your report for two years but are only considered by FICO on a 12-month basis, or what?

[@AlexanderRivera-cb3us]

What would you suggest from a hard inquiry from the personal side that was needed for my business. Should I delete that personal inquiry or will they close my business cc.

[@MikeTheCreditGuy]

Remember you're the personal Guarantor fam, it could cause them to close the account for fraud if you dispute it, or not. It's very risky and I personally do not recommend it but to each its own. Hope this helps 🙏🏽

[@katflagler3866]

I love this guy❤

[@MikeTheCreditGuy]

Appreciate you fam 🙏🏽

[@onestar45]

Mna, you are awesome!!!!!

[@tsunamieyes]

Happy New Year Mike 🎉 I went to one dealership & it was supposed to be one inquiry, some how it was 4-5 hard inquiries. I’m so pissed! Can I dispute them?

[@anthonyel-ashaad6532]

So you go to buy a vehicle, how are you going to STOP them from running your credit short of walking out?

[@lukejohnson1274]

Don't give them your SSN. They have no reason to have it if you are not borrowing money from them.

[@sanibayrak9057]

Great video! I have a question, I have two fraud inquiries on my reports that I would like to get removed. I've seen your video regarding this, but Im still a bit confused. So I know my first step would be making a call with the credit bureau (Experian) but should I also make call what time? And would I be never stop sending a good compny *Prime consultant 001* to my friends and people I know regarding any credit situations

[@Puzld01]

Any recommendations for debt consolidating companies?

[@Leon_Aldrich]

I don't need this, but anyone working through their FICO better/best c/c journey might -- Come on Mike!

[@MikeTheCreditGuy]

A credit union is the best option, a personal loan to consolidate and put it onto 1 monthly payment and lowering the interest rate. Hope this helps fam 🙏🏽

[@dsiugzda]

I have one through Sheffield financial, would that ruin a relationship with them or should I be fine. I don’t have any loans through them at all

[@MikeTheCreditGuy]

You can dispute anything that you believe is not accurate or complete. Hope this helps fam 🙏🏽

[@captainredpill4135]

Gems

[@TruckerPhilip]

How does your system work with the $55 plan and do you have other plans available that may offer a more hands-on assistance?

[@althoms7480]

Why does it say on google that it takes 24 mos to fall off _ hard inquiries?

[@MikeTheCreditGuy]

Because if you don’t touch them, they will stay on your credit report for up to 24 months. Then naturally fall off when those 24 months expire. Hope this helps fam 🙏🏽

[@michaelgraham8295]

Great video mike... you mentioned dont do this for open accounts.... is it ok if i have an hard inquiry on an account i opened with my business account? So i can get business funding with runnjng up hard inquiries on my personal and remove them if they are open? I heard thisbwas ok to remove because they are not attatched to me john doe direct.... ?

[@jumnoesnea3312]

How and how much?

[@CreasyEQ]

My credit at the moment is Mature/Thin files. In your opinion how can I get more accountable open accounts in my name?

[@fiona3821]

What if they check with the companies

[@brianherman3995]

How to you do check to see if if the hard inquiry is attached to a open account

[@MikeTheCreditGuy]

Just compare the hard inquiry to your credit reports. Any open credit cards or accounts in the same name as the hard inquiry. Hope this helps fam 🙏🏽

[@Wrobi3]

Great Information! Thank you! ❤

[@MikeTheCreditGuy]

Thank you and Appreciate you also fam 🫶🏽

[@franckr8277]

Tried to do so, yet they keep telling me to dispute it with the inquiring bank or go through ftc fraud report, etc.

[@MikeTheCreditGuy]

Be kind and Hang up the phone and call and speak to another Rep! Hope this helps fam 🙏🏽

[@CecilWaldo]

Well I called TU today and she said I needed to get a letter from the person that ran the credit. And then once I get a letter from the creditor to send it to them.

[@_jessika]

Hey I appreciate you for the info! I have a navy federal and got denied for a personal loan. Should I Not get the hard inquiry removed since I still have an open checking account with them? Thanks so much!

[@MikeTheCreditGuy]

Yea definitely don't dispute that fam 🙏🏽

[@_jessika]

@@MikeTheCreditGuy Good day . Thanks for the advice fam💯

[@Motivation4Men]

Actually I had the same problem and deleted the inquiry. My checking account was not effected at all and this was several months ago

[@MilenaKoncar]

I thought we had to call the CREDIT CARDS to ask them to remove the hard inquiries!!!!! Is that a possibility too? Or it doesnt work that way? I thought they are the ones to call the Bureaus and make them delete it!!

[@MilenaKoncar]

@gmaiIme-davetalkscredit001 im not understanding what u are saying 🤔

[@arianasherry3289]

@@MilenaKoncarThis may be a stupid thing but im young and new to building credit. Recently my credit score just dropped from 750 to 619 but i am able to use *Pecuniary backdoors* websites to get to an 800 I was stuck at 750 for a while and I’ve been trying to get to 800. I know in this video you think these methods work for ppl with below 400 but i wanted to make sure someone with over 200 could use these websites.

[@arianasherry3289]

@@MilenaKoncarSorry that happened to you, have a great connect with them online and dont give up

[@DariTrinidad]

does it matter if they aren't recent inquiries?

[@danielsmith1753]

Should I delete a hard inquiry that is linked to an auto loan that I’m currently paying ?

[@MikeTheCreditGuy]

Absolutely not. Never attack hard inquiries attached to open accounts.

[@rafanicoya7585]

As always great info, thanks

[@MikeTheCreditGuy]

Appreciate you fam 🫶🏽

[@aperson1181]

What about hard pull from your initial credit card apps, would this tactic work? on the denied credit card apps?

[@MikeTheCreditGuy]

As long as you don’t have an existing account. You can attack anything you believe it not accurate. Hope this helps fam 🙏🏽

[@legacydentco]

Hey brother, if that hard inquiry actually turned into a line of credit that you are using clearly, can you still tell them that this is not an inquiry that you authorized? Thank you.

[@MikeTheCreditGuy]

Absolutely not fam. You can get that line of credit shit down due to them suspecting it’s fraud. So I would not recommend that unfortunately. Hope this helps fam 🙏🏽

[@camaross475]

Will this will be fine to do on a hard inquiry form applying for a business credit card? Want to make sure if I removed the inquiry my business credit account will not be closed.

[@claudiodelgado9073]

😂 when they say this phone call is recorded for quality assurance it’s them warning you 😂 basically telling you don’t get out of hand cause we gonna let everybody know 😂

[@cynthiac8974]

Hi, I tried to open 5 credit cards yesterday. 1 for chase(waiting for approval), 1 for wells Fargo (waiting for approval), 1 for citi(denied) 2 for capital one(1 approved, other denied). I know, I know, "dumb move" but lesson learned. I've seen some people on yt saying that you can delete them from your reports, as long as it still doesn't show which is my case since I only applied for them yesterday. Do you think it's a good idea to try and get rid of them?

[@deborahh2001]

Mr. Mike, Thank you so much for sharing the knowledge 😊

[@Bigdaddychelle]

Another one 🎉🎉🎉🎉

[@Marrk117]

Should I do it for business cards? Chase pulled but I got approved.

[@MikeTheCreditGuy]

I would not recommend it fam, they could shut down your account and say it was fraud, its too risky 🥺

[@rambosidi7634]

Yep

[@MikeTheCreditGuy]

🙌🏽

[@shanikka66]

not equifax

[@renetalavera2493]

Amen

[@BgThekidLooez]

Can you remove inquiry on open accounts

[@yungjab81]

Clearly wasn’t listening

[@MoenaSharee]

No

[@dorethagilmer2485]

I have a collection that started out under $100 now every month this collection agency add $1 to the balance. What can I do to get them to stop?

[@MikeTheCreditGuy]

This is not financial advice or legal advice and I am not an attorney. 2 choices, you can do a pay for delete and see if they will delete it in exchange for payment. But make sure you get it in writing with their company letterhead that they will delete it from all credit reporting agencies and the debt is paid in full or last option. You attack & dispute it and see if you can delete it or Make them validate the debt. Hope this helps fam 🙏🏽

[@strongtv_creator]

What do I do about medical bills.? 15k I was working on my credit and now this happened.

[@MikeTheCreditGuy]

You can make payment arrangements or dispute the hell out of it. It will get it off the credit report but you will still owe the debt. Hope this helps fam 🙏🏽

[@strongtv_creator]

@@MikeTheCreditGuy if it’s off the credit report then how would i still owe,? And do I dispute after I get it on my report or start the process now ?

[@shekita2010]

Are you saying that you can? We should only be targeting the hard inquiries for 12 months.

[@MahoneyBadger]

Why is it bad for them to put the credit alert on your report?

[@MikeTheCreditGuy]

Means you were involved in some type of fraud and a bank will decline you just for that. Hope this helps fam 🙏🏽

[@TammiMorrison]

How do you know what a hard inquiry is?

[@MikeTheCreditGuy]

Anything that you applied for, a credit card, car loan, any type of credit product. You can go to the bottom of your credit report and it will say hard inquiries. Then show you the name and dates they happened. Hope this helps fam 🙏🏽

[@jahmoor8924]

How do you delete Bankruptcy?

[@Petaelvis]

This may be a stupid thing but im young and new to building credit. Recently my credit score just dropped from 750 to 619 but i am able to use *Pecuniary backdoors* websites to get to an 800 I was stuck at 750 for a while and I’ve been trying to get to 800. I know in this video you think these methods work for ppl with below 400 but i wanted to make sure someone with over 200 could use these websites.

[@Petaelvis]

You also neeed to look their name up to see their website

[@anthonysmith3094]

What about inquiries from a collection company that the account was paid off and I got it deleted off my credit report but the inquiry is still there ?

[@SAKAICHEWY]

I'm pretty sure it's illegal for them to run your credit

[@MikeTheCreditGuy]

@@SAKAICHEWYIt’s not illegal if it was in the original agreement. Most likely it was.

[@MikeTheCreditGuy]

If you did not authorize it, then dispute it fam. Remember you can authorize anything that you believe is not accurate or complete. Hope this helps fam! 🙏🏽

[@Egil1978]

Hello, can a bank refuse to give the total of of the payment made to car loan? like say one month I made 300 then next month I made 320 then other 340 and I ask give me the total of payment I made

[@MikeTheCreditGuy]

Why would they not tell you? That’s wild. They can refuse anything honestly but you can just look at your bank statements and track them faster that way in my opinion.

[@denisebreshears7166]

I wanna know if it’s true if you have medical bills or a medical bill under the amount of $500 that the credit reporting bureaus will not put it on your credit report as of sometime 2022? Is that true or false? I’ve read that on Google, but I’m still not sureand the one I have is sitting at about five years old so I think they’re not at my door because I know stuff falls off after seven years. I don’t even know if it’s on there at this point I don’t know but that’s what I read. Thank you.

[@MikeTheCreditGuy]

Any medical debt that is under $500 Bucks is not supposed to report to the credit bureaus and any paid medical debt is supposed to be deleted if paid. That is in fact true. Also know that there are medical collection companies in fact breaking those rules. So important to pay attention to your credit reports. Hope this helps fam 🙏🏽

[@BruceDavis2301]

I have several medical bills on my credit report under $500@@MikeTheCreditGuy

[@FreedomFBA]

Can I still remove the inquiries that were denied but I still have open accounts with?

[@heaven4Now26]

LOL BRAINWASHED on thst credit scores😅😅😅😅 wake up

[@Extinction.of.Innocense]

I guess now, in order to get your FICO, you have to submit a photo copy of your drivers license. Capitol One requires it as well. Now, the GF, card issuer, out of the blue, after a year, wants a copy of her driver's license. I have a feeling should the Dems continue, can you say social credit score... like china has (?)

[@MikeTheCreditGuy]

No you don’t. This is all made up propaganda. Like go troll elsewhere.

[@diamdotta]

everyone is saying i have to complete a FTC report

[@MikeTheCreditGuy]

Who is everyone?

[@diamdotta]

The bureaus. I just called all three 😢

[@AmberGaxiola]

How do we get what's owed from exifax data breach

[@traviskelly7082]

@MiketheCreditGuy So I can pay you to look my credit to see what laws have been broken???

[@Roman-]

Hey @MikeTheCreditGuy I applied for a chase card but got denied , they did a hard pull on it. Would you recommend disputing that had inquiry for the denied card if i have 2 other chase cards and a checking account with them?

[@vinnyrogers1499]

Soooooo glad i found this page.After watching a few of your videos i see where i screwed up in a few places.If i had your number i'd call you and be nice as i can be fam.I have a lot of questions so i hope we can chat.Subbed.

[@MikeTheCreditGuy]

Appreciate you fam 🙏🏽

[@benjamnhameanlaserbearchap8255]

🥸😎🤓🧐🤯

[@ishabothwell4016]

Great information and thanks for your contributions.

[@MikeTheCreditGuy]

You're welcome and also thank you fam 🙏🏽

[@lpm6114]

Hi, it didn't quite work as planned... the experian lady told me nicely to turn back to the bank that made the inquiry as they were not able to help nor remove it... what do I do now???

[@dariusboone3689]

Sameeee literally just happed with experian 😂😅

[@emc6511]

He said in the video .. to politely say goodbye. Hang up. Call back. That the next representative may say yes. Or the next one; or the next one. But be nice so they do not note your account for the next rep to see you are a "you know what" LOL

[@MikeTheCreditGuy]

@@emc6511Finally someone that actually watched the video and listened 😂