– Hey, what’s up YouTube fam, Brandon Weaver here once again I’ve got questions about hard inquires, soft inquires for authorized user, pre-approvals, am I eligible, am I not, and what should I do with my goodwill letters to my student loans, do I need to certify them, do I get them notarized, okay, so let’s get into it. I’ve got a few e-mails here, and I want you to be very, very much aware of some of the things that have happened out there, some of the things that people can get done that I’ve done before that you can do for yourself, that’s right, for yourself, so. The goodwill letters directly to the student loans, okay, so people have a few late payments on student loans, I had some, you know, I’ve had business partners that had some and you know, and they’re on time now, so you wanna get these negative late payments off! So you send in this goodwill letter, do you need to notarize it, you don’t necessarily have to, could be helpful, but you don’t have to, but you definitely want to send it certified mail, okay.
So the goodwill letter, they have tracking, you know that they’re getting it, they can’t say oh, we didn’t get it, they hummin’ and hawin’, and this kinda stuff, you know where it’s goin’. The other thing is people are asking occasionally authorized user, are you looking in my credit, are they looking in their credit, you know, I had the same question, I wanted to let you know, you know, I’ve had that same question, I talked to the cards, the banks, the people that were going to issue the bank cards, the credit cards and I’d say hey, you know, do you have to look into that credit, is it a hard inquiry, soft inquiry, no, no, there is not usually no hard inquiry, there’s usually no soft inquiry, you don’t have to worry about it, it’s a way to potentially boost your score without having an inquiry, now if you have inquiries, got a bunch of ’em, you need to take care of that, you can do this for yourself, 609CreditRepair.com, the BEYOND COMMITTED package has everything you need, everything that you want, alright, or we can help you out at TheAwesomeLifeGroup.com alright, we can send the letters off for you, now.
These pre-approvals, some people have been looking at Credit Karma, which isn’t the most accurate, but some people are lookin’ at it for you know, like a ball park, you know, you might wanna go out there and get your three reports with Annualcreditreport.com, CreditCheck Total, Privacy Guard, these kinda things, right? These things that you can utilize that give you all three reports, ’cause Credit Karma only gives you two, that’s right, so sometimes on there it says, hey, you have a good chance of getting this credit card, you have a good chance of getting that credit card, but you might not, you might actually not be able to get it and people have applied, I’ve gotten e-mails, and they said oh, now I have this hard inquiry, ’cause Credit Karma said I could get the card, I applied for it, couldn’t get it, got a hard inquiry, what do I do, okay, right, yes, you can potentially dispute non-account holding inquiries but what’s more important is now that we’re learning from this, is that simply being given a solicitation okay, simply saying maybe you might get it, you may not, and I really advise you not to go through the Credit Karmas you know, they’re only givin’ you two reports, how could Credit Karma be that accurate if they’re only giving you two reports, they don’t wanna have you real FICO, they don’t know, you know, when you’re applying, when I started applying for stuff I was checking my real FICO, I was calling the banks, finding out what they might need for that kind of stuff, you know, it’s important that you know prior to, that you have a very strong chance directly with them rather than going through a third party like Credit Karma, so be cautious of that, getting solicitation in the mail, sometimes I’ve see solicitations in the mail, hey, you’re pre-approved for this, you’re pre-approved for that, but really, it’s just a solicitation, they’re not 100% sure either, okay, so be cautious of that because it could, while you’re going the credit repair process, you don’t necessarily wanna collect a bunch of hard inquiries, right, but if you need help, 609CreditRepair.com.
We can do the work for you at TheAwesomeLifeGroup.com, if this video helped ya out, please give a thumbs up, hit the subscribe button, the bell for notification, I wanna see you on the lives, askin’ the questions on lives, gettin’ touch with in me ia the emails, put some comments and comments below about how great your credit repairs goin’, where you’ve come from and where you’re at now, and until I see you in person, I will see you on the other side, take care. .