all right so let's walk through the process of getting your inquiries removed through inquiry remover service so after you add your personal information you're going to go to credit monitoring if you already have an existing credit monitoring service you can choose from the drop- down menu right here so they have identity IQ smart Credit Credit Mojo Experian Equifax or other and pretty much what you're going to do is just provide your username password as well as the security question and the security answer if that is applicable now to get rapid results what you want to do is get set up with identity IQ and you can just get started with a $1 trial so just click the link right here so you could try for 7 days for just $1 and then it's just $21.99 per month now you can cancel before your 7-Day trial without having to pay the 21.99 so just keep that in mind all they basically need is to be able to pull the information from your credit report into their system where you can then select the inquiries that you want remove from your credit report now I recommend identity IQ if you're going to be using the inquiry remover service it says right here if you do not have an identity IQ monitoring please note you will have to manually enter the exact creditor name and the date of each inquiry for each Bureau on the next step so just to eliminate any of the manual process I would say just sign up for that $1 7day trial for identity IQ cuz then it could pull the data in automatically so once you get set up with identity IQ just enter in the username and password all right so right here it's pulling in the inquiry so it's actually doing an audit report so it's going to pull in all the information all right so right over here on the right side it actually shows the anchor that they pulled from the credit report using identity IQ now this is why you want to use identity IQ cuz just automatic it does it in about a minute or so and so it'll show the Creditor name the date of the inquiry as well as the credit bureau now as it says right here it says do not dispute an inquiry on your credit report that is attached to a live account disputing an inquiry that resulted in a legitimate account could result in them closing your account now this is especially relevant when we're talking about personal accounts right because what some creditors will do is look to see okay uh is there an inquiry that's tied to an account on your credit report now let's say you have a bunch of inquiries from business credit cards or business accounts where they pull your personal credit but that account is not showing on your personal credit report those will be okay to select for removal but ones where you actually did get approved and it's a personal account that's reporting sometimes you don't want to touch those inquiries or let's say if it's a inquiry that was a result of a denial those are ones that are fair game for you to remove now after you select all the inquiries you're just going to hit submit now right here it'll actually show the inquiry in which Bureau it actually came from now the next step you're going to upload documents so this includes your driver's license and make sure it's a clear copy that's not expired you're also going to upload your social security card proof of address within the last two months so this could be a utility bill insurance or a bank statement now right here it says please upload a copy of your photo ID social security card and recent utility bill it will significantly improve your disputes if your ID and utility bill have the same address now on the last page you're going to confirm that all inquiries disputed are not attached to Live accounts and just hit this agree button right here now a couple things that keep in mind when using inquiry removers is that you don't want to risk disputing an inquiry that tied to an open account that's reporting on your personal credit report now I would say this is probably specific to personal credit cards now personal loans where you already got the funds or a personal vehicle or even a mortgage you don't really have to worry about those types of inquiries but it's really just the personal credit cards because sometimes if you dispute the inquiry to an open personal credit card the Creditor can actually close your credit card now when we're talking about business credit cards business business loans lines of credit those accounts are invisible to your personal credit so it doesn't matter even if you have a business credit card that's active and open you can 100% dispute the inquiry now the other scenario where it makes sense to dispute the inquiry is let's say you applied in you got denied and that inquiry is showing up in your credit report there's really no adverse action that can be taken against you because again you didn't get approved in the first place so it makes no sense to have that inquiry lingering on your credit report and you didn't get any benefit from it so you might as well go ahead and dispute that now as I showed you in the walkth through I highly recommend that you get set up with identity IQ because identity IQ automatically pulls the information in where then you can select which inquiries you want to get disputed otherwise you'd have to manually enter that information in and there's just a lot of chance of human error in doing that so it really just makes sense to get up with identity IQ there's a link when you're going through that process if you don't already have an account and you can do a 7-Day trial for just $1 in terms of documentation you're going to need a driver's license or government issue photo ID that is not expired so it does have to be active you're also going to need your social security card and a recent copy of a utility bill and the address on your ID as well as the utility bill or bank statement must match so it must be the same name and address on each of those documents now one of the great things about inquiry removers is that you do not have to pay unless the inquiry is actually removed from your credit report so you're pretty much paying for actual results now if anyone's interested I've dropped a link in the description of the video that's all for today until next time take it easy and we'll talk to you soon