How to Remove BK OF AMER From Your Credit Report

Updated

Is BK OF AMER hurting your credit score?

Credit Saint has successfully assisted countless clients in removing inaccurate and questionable credit inquiries from their credit reports.

Seeing BK OF AMER on your credit report can be confusing if you’re not sure what it means. Here’s a simple breakdown of what it is, why it shows up, and how to remove it if needed.

What Is BK OF AMER on Your Credit Report?

BK OF AMER is the abbreviation for Bank of America. It often appears on your credit report when the bank conducts a credit check. This is common if you’ve applied for a Bank of America credit card, loan, or other financial product.

Why BK OF AMER Appears on Your Credit Report

You’ll typically see BK OF AMER listed on your credit report after a hard inquiry, which happens when Bank of America reviews your credit file. Here are some common reasons this might happen:

  • Applying for a Bank of America Credit Card: Whether it’s a cashback card, travel rewards card, or low-interest option, applying for a Bank of America credit card triggers a credit check that shows up as BK OF AMER.
  • Requesting a Loan or Line of Credit: If you apply for a mortgage, personal loan, auto loan, or line of credit with Bank of America, they’ll run a hard inquiry that appears on your credit report.
  • Opening a Bank Account: In some cases, applying for a checking or savings account may also result in a hard inquiry, though this is less common.

How Long BK OF AMER Stays on Your Credit Report

A hard inquiry from BK OF AMER can stay on your credit report for up to two years. Its impact on your credit score decreases over time, but the inquiry itself stays visible to lenders until it drops off automatically after 24 months.

What to Do If You Don’t Recognize a BK OF AMER Inquiry

If BK OF AMER shows up on your credit report and you didn’t apply for anything with Bank of America, take action:

  • Contact Bank of America: Reach out to confirm the details of the inquiry and find out if it was made in error or by someone else using your information.
  • Dispute the Inquiry: If it was unauthorized, file a dispute with the credit bureaus—Experian, Equifax, and TransUnion—to have it removed.
  • Protect Your Credit: If you suspect identity theft, consider placing a fraud alert or credit freeze on your credit report to help prevent further damage.

Bank of America Contact Information

  • Address:
    Bank of America Corporation
    100 North Tryon Street
    Charlotte, NC 28255
  • Phone Number:
    (800) 432-1000

Can BK OF AMER Be Removed From Your Credit Report?

If the inquiry was unauthorized or reported by mistake, you have the right to dispute it. Removing inaccurate hard inquiries helps keep your credit report clean and protects your credit score.

Many people turn to professional help when dealing with unauthorized inquiries or other negative marks. Credit Saint is a trusted credit repair company that works to remove hard inquiries, collections, late payments, charge-offs, repossessions, foreclosures, and even bankruptcies from credit reports.

Need Help Fixing Your Credit?

If bad credit is holding you back, a free credit consultation with Credit Saint can help you understand your options. They even offer a 90-day money-back guarantee if you’re not satisfied with the service.

Visit their website, fill out the quick form, and take the first step toward improving your credit.

Ready to Clean Up Your Credit Report?

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