Hello everyone. I’m a few days late with my intro but I’m here lol. I hope all is well & everyone is thriving & learning while on their financial journey.

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.

It’s only been a month and my credit scores have flourished already!!! 🤗 Thank you ☺️ RICH CREDIT ACADEMY 💪🏽🤞🏽🤭

Hi everyone, my name is Sasha. I was born and raised in Columbus, Ohio, and I’m currently working as a Behavioral Technician. My goals in RCA are to become more financially aware, build and maintain a steady income, and eventually create my own business. I joined this group because it’s time for me to stop procrastinating and step into the potential I know I have. I’m capable of more, and I’m ready to start proving that to myself