I had a bizarre experience this morning. Normally you can open a dispute via phone for unauthorized hard inquiries. Now they're requiring a letter from the creditor stating they didn't have permission. However, permissible purpose trumps all of that. Has anyone else experienced this?

Hi . Can anyone tell me approximately how long an authorized user tradeline should take to post after the statement close date?

Disputes submitted on 6/24 and EVERYTHING negative was removed on 07/02! Thank you so much @Daniella Williams for everything I’m FOREVER grateful 🥹 ❤️. If you’re contemplating on signing up for Ivy’s services, here is your sign.

I’m like a little kid waiting for the first day of school I’m so excited about getting my credit fix! This was and is a true investment into my future and I thank you in advance Ivy for your help ❤️