How to Remove Badcock From Your Credit Report

Is Badcock hurting your credit score?

Lexington Law has helped millions of customers remove credit inquiries and other negative items from their credit reports. Let them help you too!

What is Badcock?

Badcock Home Furniture has over 320 furniture stores in eight states across the southeastern United States.

Badcock may be on your credit report as a hard inquiry. This happens when you apply for financing or a Badcock credit card at a Badcock Home Furniture store. They check your credit report as part of their decision-making process.

Does Badcock report to credit bureaus?

When you apply for a Badcock credit account, it may be reported as a credit inquiry to thethree major credit bureaus regardless of whether your application is approved.

What is a hard inquiry?

A hard inquiry occurs any time you apply for new credit and the lender or creditor runs a credit check. It can be for a mortgage, apartment, car loan, credit card, insurance policy, cell phone, and sometimes even a job application.

Hard inquiries will typically only drop your credit score by a few points. However, if you have too many, especially in a short period of time, they can really start to add up and do some damage.

What is a soft inquiry?

A soft inquiry typically occurs when a company checks your credit history as part of a background check. It can also happen when a credit card issuer or lender checks your credit to prequalify you for an offer. Sometimes a soft inquiry might even be pulled by an existing creditor just checking on your current credit situation.

Soft inquiries do not have an impact on your credit scores.

How long do hard inquiries stay on your credit report?

Whether you get approved for the Badcock credit card makes no difference. The hard inquiry will remain on your credit report for up to 2 years. Each time you make an inquiry, it is recorded by one or all of the three major credit reporting agencies: Equifax, Experian, and TransUnion.

Unauthorized Inquiries

If you don’t recognize the inquiry, or you are sure you didn’t make the inquiry, contact Badcock and ask them why an inquiry was made. The creditor’s name should be listed under the hard inquiry section on your credit report.

Badcock Contact Information

Address:

W.S. Badcock Corporation
Attn: Customer Service
P.O. Box 497
Mulberry, FL 33860

Phone number: (800) (223-2625)

Can Badcock be removed from my credit report?

Lexington Law specializes in removing inquiries and other negative marks on your credit report. They have over 18 years of experience and their clients saw over 6 million removals on their clients in 2021 alone.

They can also help you dispute (and possibly remove) the following items:

  • late payments
  • collections
  • charge offs
  • foreclosures
  • repossessions
  • bankruptcies

Get Your Inquiries Removed Today!

If you’re struggling with bad credit and want to learn more, consider a free credit consultation with Lexington Law.

They have helped many people in your situation. Give them a call at (800) 220-0084 to see what they can do for you.