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StepbyStep Guide to Using Inquiry Remover Services
Step 1: Enter Your Personal Information
Start by adding your personal details into the inquiry remover service platform. This is the foundational step to access the various features offered by the service.
Step 2: Choose Your Credit Monitoring Service
If you already subscribe to a credit monitoring service, you can select it from a dropdown menu. Options include: Identity IQ ,Smart Credit, Credit Mojo, Experian, Equifax.
You will need to provide your username, password, and possibly answer security questions to proceed.
Step 3: Opt for Identity IQ for Rapid Integration
For those who do not have an existing credit monitoring service, setting up with Identity IQ is highly recommended. Here’s why:
Ease of Use: By signing up for a $1 trial for 7 days, you can test the service. After the trial, the service costs $21.99 per month, which you can cancel anytime during the trial period to avoid charges.
Automatic Data Pull: Identity IQ automatically pulls your credit report data into the inquiry remover system, allowing you to easily select which inquiries to remove without manually entering details.
To get started, simply click on the provided link to sign up for the Identity IQ trial.
Step 4: Automatic Inquiry Audit
Once you have entered your Identity IQ credentials, the system will automatically begin an audit of your credit report. This process involves:
Data Retrieval: Pulling in all relevant data from your credit report.
Display of Inquiries: Showing details such as the creditor's name, the date of the inquiry, and the associated credit bureau.
Important Considerations Before Disputing Inquiries
It's crucial to be cautious about which inquiries you choose to dispute:
Legitimate Accounts: Do not dispute inquiries that are linked to active accounts, as this could lead to the creditor closing your account.
Business vs. Personal Inquiries: Inquiries from business credit cards or loans that do not appear on your personal credit report are generally safe to dispute. However, inquiries related to personal credit cards, loans, or mortgages should be handled more carefully.
Step 5: Submit Your Selections
After reviewing and selecting the inquiries you wish to dispute, simply submit your choices through the platform.
Step 6: Upload Required Documents
Identification: A clear, valid driver’s license or governmentissued photo ID.
Social Security Card: A copy of your social security card.
Proof of Address: Recent utility bill, insurance statement, or bank statement from the last two months. Ensure that the address matches the one on your ID. The system emphasizes the importance of matching addresses on your ID and utility bill to enhance the credibility of your disputes.
Step 7: Final Confirmation
Before finalizing your inquiry removal requests, you will be prompted to confirm that none of the disputed inquiries are attached to live accounts. This is a crucial step to avoid any potential issues with existing creditors.
Agreement: You will need to agree to the terms and conditions, confirming that all information provided is accurate and that the inquiries you are disputing are not linked to any active accounts.
Additional Tips for Using Inquiry Removers
When using inquiry remover services, keep these points in mind:
Avoid Disputing Inquiries on Open Accounts: Particularly with personal credit cards, as disputing these can lead to the creditor closing your account.
Business Credit Inquiries: These are generally safe to dispute as they are not visible on your personal credit report.
Denied Applications: If your application was denied, it makes sense to dispute the inquiry since it serves no benefit and only affects your credit score negatively.