Transcript of a short YouTube conversation (two speakers) describing a method to remove an unauthorized inquiry from a credit report quickly: call the store that pulled the credit, tell them the inquiry was unauthorized, and they must remove it under the Fair Credit Reporting Act. The speaker frames this as a secret 24-hour method and asks about authorization status.
Hey, I just got a new inquiry on my credit report. How do I get rid of it? Calm down. You could use the 24 hours method. Yes, I knew you would help me. Alright, calm down cowboy. I'll only tell you if you promise to keep this a secret. This is not something that people want you to know. Okay, I promise. Okay, there's one important thing that I need to know. Did you authorize your credit to be pulled by the store? No, I didn't go to this store. Alright, perfect. So all you have to do is find the store's number, call them and let them know that you want the inquiry removed. Since you did not authorize it to be made they will have to remove remove the inquiry right away since it is a violation of the Fair Credit Report Act. Yes, thank you. Where do you keep burning all this stuff? Well I follow credit for cloud.
