How to Remove Avantus LLC From Your Credit Report

If you’ve spotted Avantus LLC or Xactus on your credit report, you’re likely wondering what it means—and whether it’s hurting your credit. Here’s what you need to know and how to handle it.

What Is Avantus LLC?

Avantus LLC was a credit reporting agency that created customized mortgage credit reports and performed verification services for lenders. Their services included:

• Soft credit checks
• Employment verification (VOE)
• Tax return verification
• Tenant screening

Avantus has since merged with other industry players and rebranded as Xactus. The new name may appear on your credit report instead of Avantus, but the services remain the same.

Why Avantus LLC Might Show Up on Your Credit Report

If you’ve recently applied for a mortgage or any credit product involving a lender, Avantus (now Xactus) may have pulled your credit. This typically results in a hard inquiry being added to your credit report.

Lenders use Avantus/Xactus to review your creditworthiness before issuing loans or approving financial products. These hard inquiries are standard in the credit application process.

Do Hard Inquiries From Avantus LLC Hurt Your Credit?

Yes, but only slightly. A hard inquiry might lower your credit score by a few points. If you’ve applied for multiple loans or credit products within a short time, the impact can add up and make you look like a risky borrower.

The effect is usually temporary and fades over time. Hard inquiries have the most influence on your credit score within the first few months.

How Long Avantus LLC Inquiries Stay on Your Credit Report

A hard inquiry from Avantus or Xactus stays on your credit report for up to two years. During this time, all three major credit bureaus—Equifax, Experian, and TransUnion—will report it.

Lenders can see this when reviewing your application, but the inquiry’s effect on your credit score lessens after about 6–12 months.

What to Do If the Inquiry Was Unauthorized

If you didn’t apply for a loan or credit product and still see an Avantus or Xactus hard inquiry, you might be dealing with an unauthorized pull. Here’s what to do:

• Contact Xactus directly to confirm the reason for the inquiry.
• Ask for details about the lender and date of the request.
• Dispute the inquiry with the credit bureaus if it wasn’t authorized.

Removing a fraudulent or mistaken inquiry can help preserve your credit score.

Avantus LLC (Xactus) Contact Information

Here’s how to get in touch:

Mailing Address:
Avantus LLC
70 Jefferson Blvd, 4th Floor
Warwick, RI 02888

Phone: (800) 243-0120

How to Remove Avantus LLC From Your Credit Report

If the inquiry was made in error or without your consent, you have the right to dispute it. While you can handle the process yourself, many people choose to work with professionals to make it easier and more effective.

Credit Saint is one of the top-rated credit repair companies. They can help you dispute and potentially remove:

• Unauthorized hard inquiries
• Late payments
• Collections
• Charge-offs
• And other negative items

They even offer a 90-day money-back guarantee, so you can get started risk-free.

Ready to take control of your credit? Visit their website and fill out the form to see how they can help you improve your credit and get back on track.