How to Remove ACRAnet From Your Credit Report

Updated

Is ACRAnet hurting your credit score?

Credit Saint has successfully assisted countless clients in removing inaccurate and questionable credit inquiries from their credit reports.

If ACRAnet shows up on your credit report, you might be wondering what it is—and how it got there. Here’s everything you need to know, including how to remove an ACRAnet hard inquiry if you didn’t authorize it.

What Is ACRAnet?

ACRAnet is a third-party screening company that provides background checks for landlords, employers, and lenders. They run credit checks, tenant screenings, and employment verifications to help businesses evaluate applicants.

If you recently applied for housing, a job, or a mortgage, you may see ACRAnet listed on your credit report. This usually means the company that received your application used ACRAnet to check your background.

Why ACRAnet Is on Your Credit Report

When ACRAnet appears on your credit report, it’s typically listed as a hard inquiry. That means someone reviewed your credit history—often during an application process.

A few common reasons ACRAnet might show up include:

  • You applied for a rental property.
  • You submitted a job application.
  • You applied for a home loan.

Hard inquiries require your permission, but mistakes happen. If you didn’t apply for anything recently, it’s worth double-checking.

How ACRAnet Hard Inquiries Affect Your Credit Score

A hard inquiry can lower your credit score by a few points. While one or two inquiries isn’t a big deal, several in a short time can raise red flags to lenders. It may suggest that you’re applying for too much credit—or facing financial difficulties.

That said, the impact of a single inquiry is typically small and temporary.

How Long ACRAnet Inquiries Stay on Your Credit Report

Hard inquiries stay on your credit report for up to two years. However, their impact on your credit score fades much sooner—usually after a few months.

Still, if there’s an unauthorized inquiry on your credit report, it’s best to deal with it quickly to protect your credit health.

Watch for Unauthorized Inquiries From ACRAnet

You should regularly check your credit reports for accuracy. If you notice an ACRAnet hard inquiry you didn’t approve, take action right away.

Here’s how:

  • Contact ACRAnet and ask for details about the inquiry.
  • If they can’t verify your authorization, request that they remove it.
  • File a dispute with the credit bureaus to challenge the entry.

ACRAnet Contact Information

If you need to reach out to ACRAnet, here’s their current contact info:

Address:
ACRAnet
521 W Maxwell Ave
Spokane, WA 99201

Phone: (800) 304-1249

How to Remove an ACRAnet Inquiry From Your Credit Report

If the ACRAnet inquiry was made without your consent, you have the right to dispute it. Start by contacting the credit bureaus—Equifax, Experian, and TransUnion—and file a formal dispute.

If you’d rather not deal with the hassle, credit repair services can help. Companies like Credit Saint work on your behalf to challenge inaccurate or unauthorized items on your credit report, including hard inquiries.

They can also help you with other negative marks, such as:

  • Late payments
  • Collections
  • Charge-offs
  • Repossessions
  • Foreclosures
  • Bankruptcies

Dealing with hard inquiries and other credit issues doesn’t have to be a solo effort. Credit Saint has helped thousands of people challenge inaccurate items and rebuild their credit with confidence.

They even offer a 90-day money-back guarantee, so there’s no risk in getting started.

Visit their website today to see how they can help you clean up your credit report.

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Crediful is dedicated to making personal finance simple. Our team of experts provides clear, practical advice on budgeting, credit, saving, investing, and more to help you make smart financial decisions.