Credit Repair Co, is simply the most amazing best experience I could've ever hoped for with a…read morespeedy and quick outcome, they actually made results happen automatically!
I just wanted to let everyone know, that even though many websites say that hard credit inquiries only effects your credit score by only 10%, and that once an inquiry is more than one-year-old that effect is almost gone, as of course after two years they do automatically delete themselves.
However, I have found that credit inquiries effect your credit much much more than that, actually it in many cases can easily prevent you from getting credit altogether when you have to many, or limiting your options for credit limit increases with existing creditors.
The one thing I believe, it's important to create a level playing field, there are a bunch of companies that do a soft inquiry to offer you the a certain amount of credit and interest rate and terms to you first, before you except the offer and a hard inquiry is performed, there's also many creditors that perform a credit line increase just using a soft inquiry.
However there are just as many if not more creditors that don't understand how they can can just do soft inquiries to do all these credit offerings, and not hurt and ding your credit score, it's actually something that is very disingenuous as creditors already use soft inquiries typically once or twice a year to review your report and to you also perhaps for a automatic increase.
Credit inquiries start to have a negative effect on your score once you have more than two on any particular of the three credit bureau's, and it does drop your score a lot, a lot more than they say it does I have found to be the case.
Also I find it aggravating that when you trying to shop around for credit and you don't like the term you were offered, or you got turned down, or you simply asked for a credit limit increase on existing account, almost every time, every one of those acts results in a hard credit pull inquiry on one of your reports typically.
This is where credit Repair Co. comes in, they directly talk to you on the phone and you can text them after as well, you are able to get on the same page quickly, by them logging into your existing credit karma account you have for Transunion and Equifax, also if you have any other subscriptions to one of the Experian apps so they can get to that report as well, you can simply give them the login into it and they can identify all the inquiries on each of the three reports and basically get started on it immediately!
To give you an example, I talked to Jeanette on a Thursday night, and all of my inquiries on my Experian report were deleted that Saturday morning, I do not know how they did it that quickly, but let me tell you that's what happened!!
And for the Transunion and Equifax reports, again we talked together about it on Thursday and by the following Tuesday, all the inquiries were delete it off of those two reports!!
So literally in five calendar days everything is gone and my credit scores shot up 53 points on Transunion, 46 points on Equifax, and 39 point on Experian. It's hard to compare the scores because the credit karma app uses a AvantageScore 3.0, and my Experian app uses the FICO 8.0.
The bottom line is you can trust this company, they give you results lightning fast, you can get all hard inquiries removed easily as they got on there, you can also use the service for regular maintenance to keep your report healthy, clean and accurate!
