How to Remove ACRAnet From Your Credit Report

If ACRAnet shows up on your credit report, you’re probably wondering what it is and why it’s there. It’s a legitimate screening company, but that doesn’t mean every inquiry it makes is authorized.

Here’s what you need to know, including how to dispute one if something looks off.

What Is ACRAnet?

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

If you recently applied for housing, a job, or a mortgage, ACRAnet may have been the company that pulled your background information on behalf of whoever reviewed your application.

Why ACRAnet Is on Your Credit Report

When ACRAnet appears on your credit report, it’s almost always listed as a hard inquiry. That means a business used ACRAnet to review your credit history as part of an application process.

The most common reasons you’d see it include:

• Rental application: Landlords frequently use third-party screeners to verify tenant history and creditworthiness.
• Employment verification: Some employers pull credit reports as part of their hiring process.
• Mortgage or loan application: Lenders use background checks to assess risk before approving financing.

Hard inquiries require your authorization, but unauthorized inquiries do happen. If you don’t recognize the entry, it’s worth investigating.

How an ACRAnet Inquiry Affects Your Credit Score

A single hard inquiry typically drops your credit score by a few points. That’s not a major concern on its own, but multiple hard inquiries in a short window can signal to lenders that you’re actively seeking credit, which can raise red flags.

The good news is that the impact fades quickly. Most hard inquiries have little to no effect on your score after a few months, even though they remain visible on your report for up to two years.

How Long ACRAnet Stays on Your Credit Report

Hard inquiries remain on your credit report for two years. Their effect on your score, however, fades well before that, usually within three to six months.

If the inquiry is legitimate, it will eventually age off without any action on your part. If it’s unauthorized, you’ll want to address it before that clock runs out.

How to Check for Unauthorized ACRAnet Inquiries

You should review your credit reports regularly, ideally a few times per year. Each of the three major bureaus, Equifax, Experian, and TransUnion, maintains its own report, and an unauthorized inquiry might appear on one or all three.

If you spot an ACRAnet inquiry you don’t recognize, here’s what to do:

• Contact ACRAnet directly: Ask them to confirm what triggered the inquiry and whether you authorized it.
• Request removal: If they can’t verify your authorization, ask them to remove the inquiry from your report.
• File a dispute with the credit bureaus: Submit a formal dispute with any bureau showing the unauthorized entry.

ACRAnet Contact Information

If you need to reach ACRAnet directly, here is their contact information:

Address: 521 W Maxwell Ave, Spokane, WA 99201

Phone: (800) 304-1249

How to Dispute an ACRAnet Inquiry With the Credit Bureaus

If ACRAnet can’t confirm you authorized the inquiry, your next step is filing a dispute directly with the credit bureaus. Each bureau has an online dispute portal, and you can also submit disputes by mail with supporting documentation.

When filing your dispute, include:

• Your personal information: Full name, address, date of birth, and Social Security number.
• A description of the error: Explain that the inquiry was not authorized and that you’re requesting its removal.
• Supporting documentation: Any written confirmation from ACRAnet, or a statement that they could not verify your authorization.

The bureau is required to investigate and respond, typically within 30 days.

Bottom Line

An ACRAnet inquiry on your credit report usually means a landlord, employer, or lender used their services to screen your background. If you authorized it, there’s nothing to worry about. If you didn’t, you have the right to dispute it with both ACRAnet and the credit bureaus.

Catching unauthorized inquiries early matters. Regularly reviewing your credit reports gives you the best chance to spot and correct errors before they do any lasting damage.