DO FOR SELF AN EXPRESS GUIDE TO DELETING YOUR OWN INQUIRES

A 24-48 hr STEP-BY-STEP GUIDE For All 3

Consumer Reporting Agencies
Did you try buying a car recently?
Identity Stolen?

Do you have unauthorized inquiries from car dealerships and was not approved?
These are some of the reasons why getting inquiries DELETED are important to your credit.

In this E-book will show you how to get those unauthorized inquiries DELETED quicky.

Equifax - 1-888-836-6351
Experian - 1-877-284-7942 or 1-855-246-9409
Transunion - 1-800-916-8800

You will need to get directed to the Fraud Department in order to get inquiries disputed/DELETED.

If they do not transfer you right away without asking you for your information
What you need to say!

"You noticed unauthorized inquiries on vour report or you noticed someone applied for something in
your name"

When you connect to the fraud department ask the representative ""Is this the Fraud Department?"

What vou need to sav!

You noticed unauthorized inquiries on your report or vou noticed someone applied for something in
vour name"

Inform them that according to the FCRA (Fair Credit Reporting ACT), legally these
unverified &
unauthorized items MUST be DELETEDI

What you need to say

"You noticed unauthorized inquiries on vour report or vou noticed someone applied for something in
vour name.

You will need a list of all of the inquiries that are not attached to your open or closed accounts.

Example A

If you have a Capitol One that you opened in January 2020, and you have an inquiry from Capitol
One
dated Januarv 2020. this item cannot be deleted oft

Example B

† vou have an inquirv from Citi Bank & vou do not have an open or closed account associated witn
that
account, you can get it DELETEDED
If they ask about you submitting a police report of these accounts, say you have already done this.

If they ask have you contacted the original creditors, say you have already and they told me to
contact each Consumer Reporting Agencies directlv.
They may place you on hold, DON'T WORRY! When they come back, they should say they will
investigate & it mav take up to 30 davs to complete the investigation.

However, the following business day, all of the inquiries you asked to get deleted should be deleted.
Equifax may take the longest, but max 48 hours.

Revised and Simplified Phone Script:

Good morning, I was reviewing my credit repo rt and I discovered unauthorized inquires in which in I
never applied. Can vou assist me with getting these removed today?"

List the unauthorized inquiries vou want DELETED.

I've undated this ebook based on the freguentlv asked auestions that are commonlv emailed to me.

Q. Can the method be used for all three Consumer Reporting Agencies?

A. Yes, you can use this method for Experian, Equifax, And Transunion

COMMON FREQUENTLY ASK QUESTIONS Q & A

Q. Can I use this method for inquiries older than 1 year?
A. Yes. vou can use this method for anv closed accounts and denied inquiries that are older than 1
vear

O. What it an inauirv is still on mv credit report after 2 vears?

A. Call the Consumer Reporting Agencies and let them know they are in violation of not Deleting all
inquiries that are older than 2 years old and they need to be DELETED immediately

When do I call the Consumer Reporting Agencies?

Experian Operations Hours: Monday - Friday from 7 a.m. to 7 p.m. CST

Equifax Operation Hours: Mondav - Fridav 9:00 am - 5:00 pm. EST

Transunion Operation Hours: Mondav -

Fridav Hours: 9 am - 4:30 pm Es

° what happens it they ask me to place a fraud alert on mv credit report?

A. Simplv decline and let me know that vou can place a fraud alert on vour consumer report through
the
and or online

Q. Dol need to unfreeze my consumer report to do this method?

A. NO, you aon t nave to untreeze your consumer reports to ao tis metnoa, you can keep it Trozen.

Q. Do I need to unlock my consumer report to do this method?

A. NO, vou do not need to unlock vour consumer report to do tnis metnod:

O. Can use this method † currentiv have an open dispute with the consumer Reporting Agencies?
A. I would wait until the current dispute is completed, then do this method so nothing will affect
your current disputing process.

Q. What If I have over 10 inquiries per consumer reporting Agency to remove!

A. I would only dispute less than 10 inquiries a time to avoid them categorizing your dispute as
frivolous

Q. What If they tell me I need a police report or a letter from the creditor?

A. So this is one of the common questions, I've been getting from a lot of people: So here is my
advice Make sure you are directed to the traud department first sometimes vou mav get redirected
back to a regular representative and they are unable to dispute inquiries which believe that happen
to you

If they say they still can't do anything, need a police report or letter from the creditor, I would just
hang up and try again the same day or next day.

You may have to call multiple times in order to get the representative that will not say you need a
police report but keep trving.
They are allowed to Delete inquiries without police reports or letters from the creditor but a lot of
representatives are sincerely lazv and read a generic script about police reports

I would not waste time to argue with them or go back and forth once they tell you they need a police
report script, just hang up on them because they're either new representatives or not the
representatve From the Fraud department.
Most representatives will remove them so I would just hang up on them and call again because it's
all who you get on the phone. This is only the method that works for disputing inquiries really fast
because
You're unable to dispute them online

Q. should I hang up and call back until I get a representative from the United States:

A. No, I would just be aware when you call, because most consumer reporting Agencies are now
outsourcing their representatives. I found it very easy to DELETE the inquiries with a representative
from the unitea states.

Q. Can I Delete inquiries that are attached to an open account?

A. You can Delete open account inquiries, but I don't recommend it. I only recommend DELETING
any
approved inquiries that are 30 davs or less that have not hit vour consumer reports as an open
account
within 30 davs. You can also Delelt anv closed or denied inquiries.

O. Tust applied for a credit card todav and got approved. can Delete the inquiry?

Yes, you can Delete that inquiry, just make sure to Delete it before the account hits your consumer
reports

Q. Will the consumer reporting agencies contact the companies?

A. NO, But they will contact une companies tat you nave been aenrea from ana ao not nave open
accounts, or closed accounts with.

Q. How do I check my consumer report to review my hard inquiries?

A. You can go to Credit Karma for Equitax & Transunion & you can also get vour full credit report for
all 3
credit bureaus at Annual Credit Report.