They should teach how Credit effects your life in high school

Wealth is not just about finance, but health and wellness is critical especially in our black community! No need to have stuff and money if you don't have your good health? Rick Ross finally understands this truth now! What does it profit a man/woman to gain the whole world if you don't have optimum health to enjoy it all! Let change the mindset about the diet & wealth in the black community so we can all go up together! Above all things... I wish that you be in good health and prosper even as your soul prospers! God bless you brothers! and remember to use *850 credit restoration* for your bad credit and negative credit marks and inquiries removal

A hard inquiry can show on your credit report in minutes. But to get a fraudulent attempt removed takes weeks. It's disgusting how much jurisdiction these credit bureaus have over us.

I get such GREAT service every time I go to the *850 CREDIT RESTORATION* and the IRS is SO wonderful to work with. I DEFINITELY want the Government in charge of my Social Credit Score! This couldn't possibly be misused in ANY way! All the data breaches that the VA has had makes me confident that my data would be TOTALLY safe!

I stumbled across your video and instantly knew this was made for me. I'm going through the same thing with my business but just knowing that I'm not the only one who's experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude Marvin and *Top Phase Resolution* was so helpful during the process of boosting my credit

I just did all of this and bro I thought this was BS but increased my score 66 points in 1 hr!!! Half the inquiries were dismissed and the other half are under review! Thank you so much and I'm subscribing!!!!

I stumbled across your video and instantly knew this was made for me. I'm going through the same thing with my business but just knowing that I'm not the only one who's experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude sir and *Web back doors* was so helpful during the process of boosting my credit.

I have 2 chapter 11’s that are dismissed.The reason I have 2 is bcz I did not use an attorney.I was trying to stop an eviction,but when I went to try to add another month’s rent to the bankruptcy, but the guy filed another one. About a month later,I ended up losing my job.They are scheduled to fall off in January and March 2021.Since I’m looking to purchase a home soon but still there.I am currently enrolled in *85O Credit Rest0ration* and I must say,I am loving it thus far.I’m doubling it up with your podcast videos and learning A LOT! Thank you.I’m ready to join the millionaire club!!!

I started working on my credit 2 years ago. I didn't know where to start I had no credit. I started looking up videos and found *850 credit restoration* . I followed what you said and started with an secured credit card for 200.00 and mad sure to keep my utilization under 10% and paid on time every month. I now have 3 unsecured credit cards and a 757 fico score. Thank Danielle for all the information and tips. Now we are in a position to buy home.

Bruh I had a 799 and I bought two properties and the bank I had been dealing with didn’t set up my auto deduct payment withdrawal. Went two months not knowing and got hit hard on my credit. I called my lender and she acted like there wasn’t anything she could do. I wouldn’t be at a high score like that without being responsible, I cannot believe after using *Discreet phase resolution* they pay off collections and charge offs, my credit score is going between 670-843 in few weeks 🥰🥰

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I started working on my credit 2 years ago. I didn't know where to start I had no credit. I started looking up videos and found *Top Phase restoration* . I followed what you said and started with an secured credit card for 200.00 and mad sure to keep my utilization under 10% and paid on time every month. I now have 3 unsecured credit cards and a 757 fico score. Thank Danielle for all the information and tips. Now we are in a position to buy home.

Finally a channel that gets to the point and has no fluff for buying other products. 🥰🥰🥰 Newly Sub

Just an Updated FYI. Experian and Trans Union will not let you dispute Hard inquiries online. Good video and solid info though. Thanks!

Whoever set up the credit system. Set it up for rich folks. But in saying that, the bottom line. It's up to you to write or file your credit dispute. Directly with the credit agencies and never pay anyone to fix your credit. When you have the ability to do it yourself. 💯

I had to call back 2x but followed your instructions and it worked! Thank you so much!!

Thank you guys.......i really cant believe how quick they got me in the 800 credit score

I work for one of the 3 bureaus, video didn't give a legitimate way of removing a hard inquiry but did explain the process of disputing it which is more than most can provide. Video did explain some key points while not really explain much on other side topics he went into. All the information is available for free on each bureaus site as a FAQ. Just have to take time to research and understand what you're reading.

This was so simple and to the point no long videos explaining nonsense This was legit I Love that Keep The Videos going

By far, the most articulate and full explanation of how to remove hard inquiries. Thank you for sharing.

THANK YOU ! Only did this with Experian today.. 28 out of 30 inquiries DELETED in less than 4 hours!!!!!

This method actually worked for me. I just recently pulled my credit and got all 12 hard inquiries removed from my credit report and my credit went up instantly. Please follow everything in this video and it should work. Thank you so much!

I am trying to get the AmEx platinum card but my Experian has over 25 inquiries on my credit a lot of them are from car dealerships shotgunning my credit when I told him specifically to only go through One Bank that I already have a relation with

This is my favorite beginning credit repair video. I come back to watch it all the time. Thank you for making this. Liked and Subscribed.

16 hard inquiries removed in 90 days,scores went up 47 points.That was really easy ! Thanks

From my experience you don't necessarily have to unfreeze these 3 accounts but it may depend on the job and what methods they use to run your background check. I was able to get a federal security clearance while still having these 3 accounts frozen. They just gave me a warning that it could take them longer to approve my clearance and that I should turn off the freeze but I never did.

I lost my job had 90k in personal loans and cc debt I just quit paying on. I wrote dispute letters disputing addresses and inquiries first then disputed my accounts. Within 7-8 months they were all gone and my score went back up 300 points. It’s time consuming but you can do it all on your own

You are the first guy to give all the links for this. Thank you.

continuously helped me like you have. I thank God for your presence in my life. Thanks a lot!!!

Keeping your credit report frozen is such a game player

I bought a new car last year with cash. Paid in full. However, imagine my surprise when I learned that the dealership still hard pulled me. This upset me. I went to the dealership and asked them to remove it. They refused to do this. I thought I was s.o.l. Now, you give me new hope. Thank you.

This video Is golden. Thank you for providing true value. So many youtubers today go straight for the ask. Subscribed.

Naam, dude, this is awesome! Probably one of your best videos yet! Thank you! I appreciate the detail and effort that it took to make this video. I use my credit responsibly, but my utilization goes up a little during the holidays as I pay those charges off in 2 or 3-months as opposed to my usual monthly or even more frequent payments! My scores, however, plummeted a lot more than I would have imagined even with my highest utilization being only around 30%, albeit the other 9 or 10-months of the year my utilization averages 7% or even less. The reason it went down so dramatically is because I was shopping around for a mortgage a few months back and one bank actually ran me twice in 30-days, another shopped themselves with 4 or 5 different direct lenders. You get the idea. So, this short-term somewhat modest rise in my utilization had a far more profound effect. In the meantime, all the ‘big stuff’ is Paid-in-Full, but nearly half of my HPs are literally secondary to this! I knew that I needed to do something about it, but I wasn’t 100% sure of the best way to take care of these - well, thanks to you - now I do! ✌️

Hello it's fine if a request to remove multiple inquiares in the same dispute in the same bureau?

I co-signed my wife a new car and I have over 5 different inquires from it. Thank you!

Hard inquiries have a minimal, almost negligible impact on your score(s). Every hard impact has dinged me at most 5-10 points, and it rebounds the next month. The reason you would want them removed is just to reduce the number of them. Having too many will have a more damaging effect on getting approvals than they do on your score(s).

Great tips, I know some of those tips already through credit streamers since last year but I enjoyed watching your video because now I handle most of my credit repair myself, keep up the good work you are touching lives here. I paid for information like this in the past a lot won't understand the quality information you are sharing.

Learned a lot of new things from this video. And I like that you are getting to the point. Great video. Thanks

Thanks bro the best person on KZfaq so far.

Naam, very helpful video! THANK YOU for sharing this information for FREE with no hidden agenda. I love it when creators are truly trying to improve others' lives. I wish you continued success!

Thank you guy for doing exactly as you've said by raising my score.....i'll never forget you guys

Thank you guys.......i really cant believe how quick they got me in the 800 credit score......................

I drove my first car in my dad's name and later went to get a truck in mine after I paid off my first one and drove off the lot with the truck I wanted, its mostly about a good credit score and a loan portfolio helps as well...lenders like to see various forms of loans in your name to be less of a risk and yes you might have to put money down but not HALF of the car loan Your exactly right I screwed my credit as a young man now I own a detailing company and can't get anything with out the full amount of cash. I'm working on my credit to get better with *850 CREDIT RESTORATION* , Love the knowledge keep it up

thank youuu for this video!! you explained it so well 🙌🏽🙌🏽

I just have to say I watched this on Tuesday and put in the qork amd called Experian. I had 13 hard inquiries and in the last two days I got 10 inquires off my credit report.. Thank you

I've frozen all of these, disputed my inquiries, and none of them were ever deleted. Tried this method years ago

You got a new subscriber ! Thank you for being real and factual! Seriously everyone else waste time ,you get straight to the point!

Well explained, I'm subscribing, thank you!

Thank you! This is great information. I will definitely use your free letters in my credit repair journey!

Hello! Can you delete inquiries that were done for you to acquire business loans? not in your personal name?. If so can you let me know how to do it? THANK YOU

Awesome video. First time watching you, and I just noticed the USMC shadow box... Semper Fi, brother!

Some real help, no click bait!

Thanks for the information about the opt-out process. That was extremely helpful.

Let me tell you this. Ive Been watching shorts on removing inquiries, but when i saw you. I said i can trust what he says.

Thank you. this was very helpful. I bought a car, and the finance department looked a4round for finance, and several prospects ran my credit. The Dealer just said he was running my credit and looking for a lender. So had several inquires 4 or one day.

Subbed liked and hit the bell. Thank you for all your hard work making these videos

Thank you for all the informations, it will be so worth it to learn about this credit boost! 😎

Took a year for me to build my score from mid 400s to 600 where I’m stuck now. I have 2 credit cards, a self account, auto loan. Everything paid on time and utilization 5-10% paid off every month. Thinking of applying for a new credit card or something cause my score isn’t increasing Great recommendation, this helped me alot. *Discreet phase resolution* was one of the best things I had come across as far as boosting your score. I don't remember the actual number of how much but it was somewhere cool!!

Do you unfreeze lexisNexis and the others before applying for loans??

How long before a bankruptcy is removed from credit report I had a bankruptcy back in 2012 just checking thanks?

Information was very helpful thank you very much for all your help

Thanks so much for the clear information and free materials! Subscribed.

Your a real one for this video Wordd ! I just subbed 💯

Lenders will also look at the number of times you have disputed items on your report. This can sometimes have a negative effect on the lending you are able to get.. this is something that a mortgage lender told me.

thanks for the video learned alot I think i got to use this

Nice 👍 video Naam.

Called transunion they said to make a police report and send it to them Does this help before I even do it ? Please help

where is the link to the sample letter , you talking about????

EXCELLENT. I learned a lot from this video. Very helpful! Thank you.

Crazy question. Is it explicitly illegal to dispute inquiries you did authorize?

I don't usually subscribe to many channels, but I saw one of your other videos and immediately subscribed lol. Information is so helpful and you explain it very simply while making a few jokes that get a quick laugh from me :P Thanks Naam!

Hello Mr. Wynn. How do I dispute on a reposed car that is with a collection agency now? They are sending letters for a settlement.

Great content... I’m a new subscriber THANKS

@Naam Wynn After submitting the freezes on all three sites, how long does it take for those to go into effect. Also, when I go to unfreeze them after I've disputed my hard inquires on each of the reporting sites, how long does that take for everything to become viewable again as at the end of Nov I want to purchase a new vehicle.

What are you supposed to write on the dispute letter?

Most helpful straight to the point video I've watched this year. 😊 🙏 😊 🙏

Protect him at all cost‼️ 😂

Problem I have is my Identity got stolen, dropped my credit score down to just 4 filled the form with IRS and with the other agencies, now trying to get my credit restored not easy to do thanks for the vid. It has given me directions to go to help.

Phenomenal content, Naam! New sub.

Naam, for the online dispute, what reason do I use for disputing my credit report? I can't say "too many inquiries". What do I say?

So based upon what is being told in the video, i should try to remove hard inquiry only for the accounts with a rejection. Correct? And not the one's where i actually got approval and are still showing on my credit reports.

They deleted all my hard inquiries and raised my score

I'll keep n touch on this subject. First thing I'm going 2 do this coming monday ✔

Thanks a bunch for the great information which I wasn't aware of before. :D

Wow! I’m learning a lot with this! Do you have any updates for 2023?!

Let me say thank you. However, I am totally lost about credit stuff. I have several credit cards and never knew there was a hard inquiry on any of them. I did apply for the cards so how can I dispute them? Looking at my credit report looks like almost every card had a hard inquiry. I am trying to raise my score so I can get a loan to pay them off. I always pay monthly and never late! Help me understand this.

Thanks a lot for extremely helpful information

I stumbled across your video and instantly knew this was made for me. I'm going through the same thing with my business but just knowing that I'm not the only one who's experienced this just pushes me to go harder. Continue to put out informational content and sharing your story, THAT is what separates you from the rest. Much gratitude Marvin and *Top Phase Restoration* was so helpful during the process of boosting my credit

Semper Fi brother !!! Thank you for the great information !!!!!

Good job on explaining everything sir. You made it so eazy for me. Thx. May your channel keeps growing and growing.

Thank you for the valuable information I’m putting this to work today

You are awesome brother!!!! Thank you so much for that information

I have 7+ but I have 3 or 4 hard inquiries stopping my credit score go's up

It doesn’t make any sense whatsoever you said. Remove hard inquiries by disputing them, but all those hard inquiries are not fraudulent. How come you can dispute the hard inquiries when you consent the lenders to run your credit check?

Does this method applies in Canada?

Is this only for U.S. residents?? I'm from Canada, I found things are different.

So I have to freeze my credit bureaus before disputing?

I need ur help brother

My hero 💁 Single mom of two here. I was married for 11 years...Never had anything in my name, and accumulated 6k in medical debt. After my divorce, even with excellent income, my financial options were so high with interest 🙄😭. I'm up to 740 after 8 months. Thanks 🙏🥰

What should you say under the dispute for the online version?