If you’ve noticed a hard inquiry from Badcock on your credit report, it’s likely tied to a financing or credit application at one of their stores. Here’s what it means, how it can affect your credit score, and what to do if the inquiry wasn’t authorized.
What Is Badcock?
Badcock Home Furniture is a retail chain with more than 320 stores across the southeastern United States. They offer in-store financing and credit options through the Badcock credit card. When you apply, they check your credit—which can trigger a hard inquiry on your credit report.
Why Badcock Appears on Your Credit Report
Applying for a Badcock credit card or financing plan authorizes a credit check. This results in a hard inquiry, whether or not you’re approved. These inquiries are reported to Equifax, Experian, and TransUnion, the three major credit bureaus.
How Hard Inquiries From Badcock Affect Your Credit Score
A single hard inquiry typically lowers your credit score by just a few points. But if you have several hard inquiries close together—especially from credit card or loan applications—it can make lenders view you as a higher-risk borrower.
The effect is temporary, but it matters if you plan to apply for more credit soon.
How Long a Badcock Inquiry Stays on Your Credit Report
A hard inquiry from Badcock will remain on your credit report for up to two years. During that time, lenders can see it, but its impact on your credit score fades after the first year.
What to Do About Unauthorized Badcock Inquiries
If you didn’t apply for credit through Badcock—or don’t recognize the inquiry—take action quickly:
- Contact Badcock directly to confirm the details of the inquiry.
- Check your full credit report for other suspicious activity.
- Dispute the inquiry with the credit bureaus if it was made without your permission.
Badcock Contact Information
W.S. Badcock Corporation
Attn: Customer Service
P.O. Box 497
Mulberry, FL 33860
Phone: (800) 223-2625
Can You Remove a Badcock Inquiry From Your Credit Report?
If the inquiry is legitimate, it typically cannot be removed early. But if it was placed in error or without your consent, you can file a dispute to have it removed. You can do this on your own—or work with a professional credit repair service.
Credit Saint is a trusted company that helps people remove inaccurate items from their credit reports, including:
- hard inquiries
- late payments
- collections
- charge-offs
- foreclosures
- repossessions
- bankruptcies
Ready to Improve Your Credit?
If your credit report is holding you back, Credit Saint can help. Their team has years of experience helping people clean up their credit—and they even offer a 90-day money-back guarantee for added peace of mind.
Don’t wait—take the first step toward better credit and visit their website today.
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