@acavaliero wrote:Hello Community!
I requested early removal for a bad Wells Fargo charge off from the 3 bureaus and they did it! What was "bad" about the CO that got it removed?
I FINALLY got through to Experian and they deleted 6 hard inquires! (following the youtube credit people's advice) HP's arent score killers unless its a thin/new file.
I have an AMEX Delta, AMEX optima, CapitalOne Quicksilver, FNBO 0 APR intro til June of 23. I'm an authorized user on several cards on
several cards as well. It's all working. What happened with AMEX that got you the Oprima card?
I just goodwill requested the 3 bureaus remove a Barclays charge off that slated for exit August of 23. I'm patiently waiting now. Probably will come back verified.
I froze my file in Lexis Nexus and ARS - now what do I do? I have a really unfair 30 day late on Auth user card that I'm working on but they have come back as valid. I'm noticing that Equifax can't access my credit report (I believe this is normal because of the freezes) Idenitiy IQ also cannot access my credit for the same reason I imagine.
My credit cards although in good standing are high interest rates and I'm trying to get an Achieve, Tally, or HappyMoney Loan to mitigate the 19 percents etc but I'm haven't qualified for Tally so far.
Any of your help is greatly appreciated!
So your not the owner of the late on the AU card. Remove yourself if your uncomfortable with it. Whats in the past that your trying to get sub-prime lenders to approve you for? Need to know what baddies are affecting you. The AU's wont bury the past. Thats where repairing needs to happen it seems for now. Freezing is to protect you from fraud. EQ can access your report. They own it. Where cant you get your EQ from?
@blindambition wrote:If you are disputing legitimate CO and inquiries, be prepared for them to return. If they still are reportable, lender can legally update accounts. Filing frivolous disputes can also come back and bite you when dealing with the CRAs. There's a lot of bad suggestions given on YT. There's no gaining the system.
This
@acavaliero wrote:Hello Community!
I requested early removal for a bad Wells Fargo charge off from the 3 bureaus and they did it!
I FINALLY got through to Experian and they deleted 6 hard inquires! (following the youtube credit people's advice)
I have an AMEX Delta, AMEX optima, CapitalOne Quicksilver, FNBO 0 APR intro til June of 23. I'm an authorized user on several cards on
several cards as well. It's all working.
I just goodwill requested the 3 bureaus remove a Barclays charge off that slated for exit August of 23. I'm patiently waiting now.
I froze my file in Lexis Nexus and ARS - now what do I do? I have a really unfair 30 day late on Auth user card that I'm working on but they have come back as valid. I'm noticing that Equifax can't access my credit report (I believe this is normal because of the freezes) Idenitiy IQ also cannot access my credit for the same reason I imagine.
My credit cards although in good standing are high interest rates and I'm trying to get an Achieve, Tally, or HappyMoney Loan to mitigate the 19 percents etc but I'm haven't qualified for Tally so far.
Any of your help is greatly appreciated!
Congrats? How did you get inquiries removed?
12/22 : 
@Suzette2 wrote:
@acavaliero wrote:Hello Community!
I requested early removal for a bad Wells Fargo charge off from the 3 bureaus and they did it!
I FINALLY got through to Experian and they deleted 6 hard inquires! (following the youtube credit people's advice)
I have an AMEX Delta, AMEX optima, CapitalOne Quicksilver, FNBO 0 APR intro til June of 23. I'm an authorized user on several cards on
several cards as well. It's all working.
I just goodwill requested the 3 bureaus remove a Barclays charge off that slated for exit August of 23. I'm patiently waiting now.
I froze my file in Lexis Nexus and ARS - now what do I do? I have a really unfair 30 day late on Auth user card that I'm working on but they have come back as valid. I'm noticing that Equifax can't access my credit report (I believe this is normal because of the freezes) Idenitiy IQ also cannot access my credit for the same reason I imagine.
My credit cards although in good standing are high interest rates and I'm trying to get an Achieve, Tally, or HappyMoney Loan to mitigate the 19 percents etc but I'm haven't qualified for Tally so far.
Any of your help is greatly appreciated!
Congrats? How did you get inquiries removed?
There's no legitimate/legal way to get inquiries removed. If they're accurate, you can only wait them out the 2 years. If they're inaccurate (i.e. fraud, error), you must take it up with the entity that performed the HP and ask them to remove it.