How to Remove Badcock From Your Credit Report

If Badcock showed up on your credit report and you’re not sure why, you’re probably not alone in being caught off guard. Badcock Home Furniture was a southeastern furniture retailer that offered in-store financing and a branded credit card. If you applied for financing at any point, that interaction left a mark on your credit report.

There’s one thing worth knowing upfront: Badcock’s parent company Conn’s filed for Chapter 11 bankruptcy in July 2024 and closed all of its Badcock and Conn’s locations. The stores are gone, but past inquiries and account entries can still appear on your credit report for years. Here’s what that means for you and what to do about it.

What Is Badcock on Your Credit Report?

Badcock Home Furniture was a retail chain with locations across the southeastern United States. They offered in-house financing and a store credit card, and like any lender, they ran credit checks when customers applied. Those checks resulted in hard inquiries being recorded on credit reports.

Even though Badcock no longer operates, entries tied to past applications or open accounts remain on your credit report. How long they stay depends on the type of entry.

Why Badcock Is on Your Credit Report

The most common reason Badcock shows up is a hard inquiry from a financing or credit card application. When you applied for a Badcock credit account, they checked your credit history as part of the approval process. That pull got reported to the three major credit bureaus, Equifax, Experian, and TransUnion, regardless of whether you were approved.

If you had an open account with Badcock, it may also appear as a tradeline on your credit report, showing your payment history, credit limit, and balance.

How a Badcock Inquiry Affects Your Credit Score

A single hard inquiry from Badcock typically causes a small dip in your credit score, usually just a few points. That’s not a major concern on its own. The impact becomes more significant if you had multiple hard inquiries within a short period, which can signal to lenders that you were actively seeking credit.

The effect fades over time. Hard inquiries carry the most weight in the first few months and become far less impactful after that, even though they stay visible on your credit report for two full years.

How Long Badcock Stays on Your Credit Report

The timeline depends on what type of entry it is:

• Hard inquiries: Remain on your credit report for two years, with the most impact in the first 12 months.
• Open or closed accounts in good standing: Can stay on your credit report for up to 10 years.
• Negative entries like late payments: Remain on your credit report for seven years from the date of the first missed payment.

Since Badcock is no longer issuing new credit, any entry on your credit report is tied to past activity. Let it age off naturally if it’s accurate, or dispute it if something looks wrong.

What to Do If You Don’t Recognize the Badcock Entry

If you see a Badcock hard inquiry or account on your credit report and don’t remember applying for financing there, take it seriously. It could be a clerical error, or it could indicate that someone used your personal information without your knowledge.

Here’s what to do:

• Contact Badcock customer service: Even though the stores are closed, account servicing is still active. Call to ask what triggered the entry and whether it’s tied to an application in your name.
• Dispute with the credit bureaus: If the entry is inaccurate or unauthorized, file a formal dispute with any credit bureau showing it. Include your personal details and a clear explanation of why the entry is wrong.
• Report identity theft if needed: If you believe someone opened an account in your name, file a report at IdentityTheft.gov to create an official FTC record.

Badcock Contact Information

Badcock’s stores are closed, but account servicing remains active for existing customers. Here is their contact information:

Phone: (800) 223-2625

Mailing Address: Badcock Revolving Accounts, PO Box 745688, Atlanta, GA 30374-5688

For bankruptcy-related inquiries, additional information is available at dm.epiq11.com/case/conns/info.

Bottom Line

A Badcock entry on your credit report is tied to past financing activity, whether that’s a credit card application, an open account, or a hard inquiry from years ago. The company no longer operates, but those entries don’t disappear just because the stores closed.

If the entry is accurate, there’s nothing to do but let it age off. If something looks unfamiliar or incorrect, you have every right to dispute it with the credit bureaus and get it removed. Staying on top of your credit report is how you catch these things before they do lasting damage to your credit score.