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Inq Removal Sauce

This document provides steps to remove inquiries from credit reports. It recommends getting credit reports from services like SmartCredit or Credit Karma. The writer identifies inquires that can be removed, such as auto, loan, and denied credit card inquiries, but not those attached to open credit cards. A template letter is provided to submit to credit bureaus through the CFPB to dispute inquires. Contact information is given for the three major credit bureaus to call after submitting a complaint.

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wadealexus50
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287 views4 pages

Inq Removal Sauce

This document provides steps to remove inquiries from credit reports. It recommends getting credit reports from services like SmartCredit or Credit Karma. The writer identifies inquires that can be removed, such as auto, loan, and denied credit card inquiries, but not those attached to open credit cards. A template letter is provided to submit to credit bureaus through the CFPB to dispute inquires. Contact information is given for the three major credit bureaus to call after submitting a complaint.

Uploaded by

wadealexus50
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
You are on page 1/ 4

THESE EXACT STEPS HAVE HELPED ME REMOVE HUNDREDS OF

INQUIRIES FROM MY CLIENTS PROFILES AND THEY WILL FOR


SURE HELP YOU ; HERE'S THE PLAY

STEP 1; YOU NEED TO HAVE YOUR CREDIT REPORTS IN FRONT OF YOU , YOU DONT
WANT TO ASSUME ANYTHING GO OFF THE FACTS !

**MY CLIENTS UTILIZE SMART CREDIT - HERE'S THE LINK WHERE YOU CAN GET IT FOR
$19 ; https://www.smartcredit.com/?pid=94923

OTHER PLACES COULD BE:


CREDIT KARMA - THEY ONLY SHOW EQUIFAX AND TRANSUNION
EXPERIAN - ONLY SHOWS EXPERIAN

STEP 1a - ONCE YOU HAVE YOUR 3B REPORTS YOU WANT TO IDENTIFY WHAT
INQUIRY CAN BE REMOVED AND WHAT CANNOT ;

WARNING - DO NOT REMOVE ANY INQUIRY THAT IS ATTACHED TO AN OPEN


CREDIT CARD YOU HAVE !

EVERYTHING ELSE CAN BE REMOVED : AUTO INQ , LOAN INQ , DENIED CREDIT CARD
INQ , RENTAL HOME INQ , PERSONAL LOAN INQ

I WRITE MY INQUIRIES OUT JUST LIKE THIS FOR ALL 3 CREDIT BUREAUS:

EXPERIAN INQ
—-----
ALLY - 11/12/21 - CAN BE REMOVED
CHASE 12/1/22 - I HAVE THIS OPEN CREDIT CARD - DON'T TOUCH IT
PNC 10/15/22 - CAN BE REMOVED
CIC 02/04/23 - CAN BE REMOVED

I KNOW I HAVE 4 INQUIRY , BUT I ONLY HAVE THE CHASE OPEN CREDIT CARD SO I
CAN'T TOUCH THAT ONE . BUT EVERY OTHER HARD INQUIRY CAN BE REMOVED !
STEP 2 : NOW AFTER YOU GAINED ALL YOUR INFO IT'S TIME TO SEND IN THE
LETTERS AND/OR COMPLAINTS

HERE'S THE LETTER YOU’LL BE MAKING , ONE I'VE PERSONALLY USED , YOU CAN
PUT THIS INTO YOUR OWN WORDS TO MAKE IT MORE PERSONAL . YOU WILL BE
SUBMITTING THESE ONLINE VIA THE CFPB ! SO SAVE IT TO YOUR LAPTOP . ALWAYS
ATTACH THESE TO YOUR LETTER ;
ID - LICENSE
SOCIAL SECURITY CARD ( IF YOU HAVE IT IF NOT ADD IT TO THE LETTER UNDER
YOUR ADDRESS)
PROOF OF ADDRESS(1) - WIFI BILL , PHONE BILL , UTILITY BILL , BANK STATEMENT

YOUR NAME
YOUR ADDRESS
THE DATE
LAST 4 SSN
CREDIT BUREAUS ADDRESS

To: Whom It May Concern:

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on
my consumer report. I have not given you permission to access my credit profile and
you have no permissible purpose by law to contact third parties with my private or
personal information. Your offenses amount to Aggravated Identity Theft pursuant to
18 U.S.C. §1028A. You have knowingly transferred, possessed, or used, without lawful
authority, a means of identification of me, which is a felony punishable with up to 2
years of imprisonment, in addition to civil liability.
By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or
without a permissible purpose by law, you are also in violation of the Fair Credit
Reporting Act (“FCRA”) codified at 15 U.S.C §1681b(a)3(f)(i). Chester v. Purvis, 260 F.
Supp 2d 711 (S.D. Ind. 2003)

I have not initiated any transaction with The following companies please remove these
items IMMEDIATELY :
{ LIST INQUIRIES FROM THIS SPECIFIC CREDIT BUREAU }

Pursuant to 15 U.S.C. §1681n(a), “Any person who knowingly and willfully obtains
information on a consumer from a consumer reporting agency under false pretenses
shall be fined under Title 18, imprisoned for not more than 2 years, or both.”
By willfully violating the FCRA, I am willing to settle your civil liability damages I
have suffered as a result of your violation for $1,000 pursuant to FCRA
§616(a)(1)(B) [15 U.S.C. § 1681n]. Should you fail or refuse to settle the matter by
tendering payment in the amount of $1,000 within ten (10) calendar days of
receipt of this notice and demand, I will seek actual damages which are greater
than $1,000.

THANK YOU ,
YOUR NAME

STEP 2a ; CREDIT BUREAU MAILING ADDRESSES + PHONE NUMBERS - YOU


WANT TO CALL THESE AGENCIES 24 HRS after you submit your complaint
through the CFPB OR BBB .

Experian
PO Box 4500
Allen TX 75013
USA

1855-414-6048

Equifax Information Services LLC


PO BOX 740256
ATLANTA GA 30374
USA

1888-548-7878

TransUnion Consumer Solutions


PO BOX 2000
Chester PA 19016
USA

1800-916-8800

I'M PROVIDING YOU THE SCRIPT , THIS IS IMPORTANT !


-WE ARE ASKING TO SPEAK TO THE FRAUD DEPARTMENT
-WE ARE LETTING THEM KNOW WE ALREADY SPOKE TO THE COMPANIES
WERE DISPUTING !!!
-WE HAVE SUBMITTED AN FTC REPORT .
INQ REMOVAL SCRIPT
https://files.cdn.thinkific.com/file_uploads/698722/attachments/298/b15/65f/INQ_DELETION.png

INQ REMOVAL WALKTHROUGH - MUST WATCH!


-CFPB WALKTHROUGH
-FTC INQ WALKTHROUGH

https://us06web.zoom.us/rec/share/kXWh0ZOE6uyK9lcW_xxlKS1O3gMm2r8mtBVw3jJFY
clsKhE8_1uxElueFMZpJe8.VghdnMCqwNK4apal?startTime=1677249903000

Passcode: JM!8RpN&

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