LexisNexis/INS/P&C: What Is It & How Can You Remove It From Your Credit Report?

Last Updated: Mar 17, 2023

  • LexisNexis/INS/P&C 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 LexisNexis/INS/P&C

LexisNexis/INS/P&C 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 LexisNexis/INS/P&C (+ 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 LexisNexis/INS/P&C on my credit report?

LexisNexis/INS/P&C 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 to Monitor and Track LexisNexis/INS/P&C Inquiries

If you're worried about your credit report and want to stay aware of inquiries made by LexisNexis/INS/P&C or other organizations, there are a few things you can do. Start off by ordering a free copy of your credit report from all three of the big credit bureaus once per year. This will provide information on any hard inquiries made to your credit report, including ones from LexisNexis/INS/P&C. You might also consider signing up for a credit monitoring service that can alert you of any changes to your credit report.

Another way to keep track of inquiries is to set up a fraud alert on your file. This will inform lenders and credit bureaus that extra steps should be taken in order to verify your identity before approving new credit or making changes to existing accounts.

How to Dispute Inaccurate Information on Your Credit Report from LexisNexis/INS/P&C

If you find that LexisNexis/INS/P&C or any other firm has provided incorrect information on your credit report, you have the right to challenge it. Get in touch with the relevant credit bureau and submit evidence to support your claim. Possible pieces of evidence include receipts, bank statements and other forms of proof proving the wrongfulness of the data.

Once you file a dispute, the credit bureau will look into it within 30 days. If they find that there is an error, this will be removed from your record. If it's too hard for you to handle this process by yourself, consider getting assistance from a credit repair service such as Credit Sage to take care of things for you.

Looking for help with LexisNexis/INS/P&C?

How long do hard inquiries stay on your credit report?

Hard inquiries (like LexisNexis/INS/P&C) will remain on your credit report for a maximum of 2 years, regardless of whether or not your credit with LexisNexis/Insurance/Property & Casualty 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 LexisNexis/INS/P&C 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 LexisNexis/INS/P&C?

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