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In this video, Jacob discusses the process of removing hard inquiries from credit reports, focusing specifically on TransUnion. He compares the three major credit bureaus: TransUnion, Equifax, and Experian. Jacob notes that Experian tends to be the easiest bureau to work with, while Equifax is generally uncooperative regarding removal or disputes of hard inquiries. TransUnion is described as being in the middle ground. He shares an example of a successful approach where someone reportedly contacted TransUnion to dispute a hard inquiry labeled as fraud and had it removed easily. Jacob emphasizes the importance of understanding how each bureau operates.