Daniel Rosen shows how to call Experian and dispute credit inquiries. Since most applications are online, you can claim you never authorized them, mention an FTC report, and Experian must remove them within 72 hours by law.
May 21, 2024.
Within 72 hours (speakers say 'within three hours of 72 hours').
99%.
A lot of people might not know about the Experian call. If you say the right things on the phone with Experian, they'll make things happen for you.
Well, give me an example.
Let's say for an inquiry, your inquiries that aren't attached to an open account, by law, it states that if they believe that the inquiry is your inquiry and you did it, they have to have your written signature. So let's say it's an online application, whether you did it or didn't do it. Right. They have to have your written signature in order to not remove it. So we know that 99% of applications are done online these days. So there's no way they can prove that it was you that applied for whatever it is, Lowe's or Target Community bank, whatever it is. Right. There is no proof that it was you, whether it was or wasn't you. So when you get on the phone with Experian, they're going to ask you, did you fill out a FTC report? And the answer is yes. And then you'll be able to list the inquiries that's on your credit report that you would like to have removed, and then they'll actually remove it for you right there on the phone call within three hours of 72 hours.
That's amazing. I didn't know about that.
