TU Interactive: What Is It & How Can You Remove It From Your Credit Report?

Last Updated: Mar 19, 2023

  • TU Interactive 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 TU Interactive

TU Interactive 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 TU Interactive (+ 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 TU Interactive on my credit report?

TU Interactive 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

What is TU Interactive and Why is it on Your Credit Report?

Applying for credit with TU Interactive could result in a hard inquiry being placed on your credit report. This can stay on your report for 2 years and can have an effect on your credit score. Credit bureaus use these reports to track how often you are applying for different types of credit, which may make you seem like a bigger risk to potential lenders.

If you don't know where the hard inquiry is coming from, take a look at what other applications you made around that time as companies often use third-party services to pull credit reports that can be confusing.

Can TU Interactive Inquiries Be Removed from Your Credit Report?

TU Interactive inquiries may be more difficult to remove than soft inquiries, but they can still be removed in certain cases. These situations include situations where the inquiry was made without your knowledge or permission, or if there are too many inquiries on your report. If your inquiry is a result of identity theft, then it should be possible to remove it from your credit report. If you have been a victim of identity theft, time is of the essence so make sure to act quickly.

At Credit Sage, our credit repair specialists can help you assess and fix any issues with your credit report - including inquiries from TU Interactive. We have the experience and knowledge to guide you through the process and help you reach your financial goals.

Looking for help with TU Interactive?

How long do hard inquiries stay on your credit report?

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

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