Credit inquiries barely move your credit score, so why do clients blame them for everything? This episode shows credit repair pros what hard inquiries really cost and when you can actually dispute one.

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When a new client sits down and points at a wall of inquiries, saying "That's the problem. Can you get those off?", most credit repair business owners reach for the wrong answer. Agree to it and you have signed up to work on the smallest item on the report. Brush it off without explaining and you sound like you are dodging the question.

There is a better move, and it takes less than 60 seconds. Inquiries are rarely the real issue. The damage almost always lives in the 65 percent of the score that nobody is pointing at.

In this episode, Daniel Rosen breaks down what a hard inquiry actually costs and how the rate-shopping window can make you look like a genius to your clients. He also covers the only times the FCRA lets you dispute an inquiry, and why "guaranteed inquiry removal" is a promise that can put your business on the wrong side of CROA.

Tune in!

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Key Takeaways:
00:00 Intro

01:00 Inquiries Are Smoke. Not Fire

02:54 Hard vs. Soft. What’s the Difference

03:42 What One Inquiry Actually Costs

04:56 Rate Shopping. Protect Your Score

05:48 When You Can Dispute One

07:14 When You Cannot Dispute One

08:28 Why Inquiry Removal Hurts Your Business

09:36 The 60-Second Client Reframe

10:22 Final Thoughts

Additional Resources:

• Get a free trial to Credit Repair Cloud
• Get my free credit repair training
• One Word Is Killing Your Dispute Results. Here's the Fix.

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