I was very discouraged when I was asked to sign up for identity IQ. They for some reason told me RCA couldn’t access all three bureaus to view my report to get started, and that I had to call IDENTITY IQ to see what the problem is. So I put off calling out of business and frustration. Because I’m a firm believer in the saying “what am I paying you for “ yall do it! Well that ain’t get me far at all! So RCA kept reaching out. I was like ok let me call (mind you it’s been a month) to get this problem resolved. They found the problem immediately! Whole time RCA was working on the two bureaus that they could access. And when I say my credit scores was sooo shocking to me! I’m never being stubborn again I really appreciate @Ciera Frazier thank you so much boss!!! I was love 500’s for the last 10 years and now I’m in the 700 club!!!

1st Contact each credit bureau. Experian 1-855-411-6048 You will provide your social security number and then press 2, then one, then two, then three.(options are subject to change) but the goal is to ask to speak to the fraud department. Equifax 1-888-548-7878, request the fraud department. TransUnion 1-800-916-8800 press 0 to speak to a representative and ask the representative to transfer you to the fraud department Once you get someone on the line in the fraud department tell them that you noticed some unauthorized inquiries on your report. According to the Fair Credit Reporting Act, legally these unverified and unauthorized items must be removed. If they ask you about submitting a FTC / police report of these accounts, say you have already completed that step. If they ask you if you contacted the original creditors, again, say yes you have completed that step. They may place you on hold, just to do some data entry but don’t worry. When they come back they should say they will investigate and it may take up to 30 days to complete the investigation. However, the following business day, all of the inquiries you asked to get deleted should be deleted. Equifax may take longer, but no more than 48 hours. *This is an inquiry deletion hack. This does not mean every inquiry will be removed 100% of the time. If you encounter an issue or someone that doesn’t provide help then hang up and call back to get a different representative.

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