Citicards CBNA: What Is It & How Can You Remove It From Your Credit Report?

Last Updated: Mar 20, 2023

  • Citicards CBNA is likely a hard inquiry on your credit report
  • If you don’t recognize this inquiry, it could be a result of identity theft
  • Call us today for your FREE consultation (+ find out how you can get it removed)

What Is Citicards CBNA

Citicards CBNA is what’s known as a hard inquiry. Hard inquiries occur when a lender pulls your credit report when applying for a loan.

Under What Circumstances Can Citicards CBNA (+ Other Similar Inquiries) Be Removed?

Generally you can remove inquiries from your report if any of the following has happened:

  1. It was created without your permission
  2. It was created without your knowledge
  3. There are more inquiries than what you expected

Why is Citicards CBNA on my credit report?

Citicards CBNA reviewed a copy of your credit report(s) to decide whether or not to lend to you, which appears on your report as a hard inquiry.

Lenders are required to report hard inquiries everytime they pull your credit reports because you asked for credit. They use this reporting to track how often you’re applying for credit cards, loans, etc., which in their eyes makes you a higher risk.

If you don’t recognize this company, consider what else you may have applied for around the date of the inquiry, as many times businesses will use 3rd parties to pull credit reports which regularly causes confusion.

What is a hard inquiry?

Hard inquiries, or hard pulls, occur every time you apply for credit and a lender needs to pull your credit reports to make an informed decision whether or not to approve you.

The most common reason for these are when applying for:

  • Credit cards  
  • Auto loans  
  • Mortgages  
  • Insurance policies  
  • Mobile phones  
  • Utility services

How Citicards CBNA Affects Your Credit Score

Citicards CBNA is a hard inquiry that lenders perform when you apply for credit. Hard inquiries can have a negative impact on your credit score, so it's best to keep them to a minimum. It's also important to note that Citicards CBNA will remain on your credit report for up to two years. However, the effect of hard inquiries diminishes over time and after about 12 months, they won't be included in your score. If you notice an unauthorized or unknown hard inquiry, you may be able to have it removed from your report.

How to Dispute Inaccurate Information Reported by Citicards CBNA

It's important to regularly review your credit report for any errors, including inaccurate information reported by Citicards CBNA. If you find an error, you have the right to dispute it by contacting the relevant credit bureau – Equifax, Experian, or TransUnion. Provide documentation to support your dispute, such as a letter from Citicards CBNA. The credit bureau will investigate and either remove the error from your report or confirm that it is accurate. If you're having trouble disputing the information on your report, consider working with a credit repair company like Credit Sage - they have years of experience helping clients successfully remove errors from their reports and improve their credit scores.

Looking for help with Citicards CBNA?

How long do hard inquiries stay on your credit report?

Hard inquiries (like Citicards CBNA) will remain on your credit report for a maximum of 2 years, regardless of whether or not your credit with Citicards Citibank North America was approved. Depending on the scoring model used, hard inquiries will stop affecting your score between 3 to 12 months.

What is a soft inquiry?

If you’ve ever received a pre-qualification offer for a credit card, auto loan, mortgage, or anything else of that nature, a soft inquiry, or soft pull, was used. Unlike hard inquiries, soft inquiries have nothing to do with you requesting new credit, and as such they’re not visible to anyone except you and do not lower your score.

Can Citicards CBNA Be Removed From My Credit Report?

If the inquiry is a result of identity theft, then yes, TBOM/CONTIN can be removed from your credit report, this is something we can help with.

Looking for help with Citicards CBNA?

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