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

Last Updated: Mar 13, 2023

  • Sears/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 Sears/CBNA

Sears/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 Sears/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 Sears/CBNA on my credit report?

Sears/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 to Prevent Hard Inquiries from Affecting Your Credit Score

If you're looking to protect your credit score, it's important to minimize hard inquiries. To do this, limit the number of credit applications you submit - only apply for credit when you truly need it and avoid submitting multiple applications in a short period of time. You can also try to negotiate with lenders and ask them to provide quotes based on a soft check instead of a hard inquiry. This is an effective way to save both time and money while keeping your credit score healthy!

What to Do If Sears/CBNA Inquiry Is Legitimate but You Want It Removed

If you find a legitimate Sears/CBNA hard inquiry on your credit report that you'd like to have removed, writing a goodwill letter to the lender may be your best option. Explain the circumstances surrounding the inquiry, and be polite and professional in your tone - don't forget to include any relevant documentation as well. It's worth attempting this, though there's no guarantee that the lender will grant your request. Alternatively, if the inquiry is negatively affecting your chances of securing credit, then working with a credit repair company like Credit Sage might be the solution you need.

Looking for help with Sears/CBNA?

How long do hard inquiries stay on your credit report?

Hard inquiries (like Sears/CBNA) will remain on your credit report for a maximum of 2 years, regardless of whether or not your credit with Sears/Citibank 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 Sears/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 Sears/CBNA?

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