How to Remove BK OF AMER From Your Credit Report


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.

What is BK OF AMER?

BK OF AMER is an abbreviation that appears on credit reports, representing Bank of America, one of the largest banks in the United States. The term simplifies the information displayed on credit reports and helps to streamline communication between credit bureaus, lenders, and consumers.

Why is BK OF AMER on my credit report?

You might see BK OF AMER on your credit report due to a hard inquiry that occurs when you apply for any of Bank of America’s financial offerings. Here are some specific situations in which BK OF AMER might show up on your credit report:

Applying for a Bank of America Credit Card

Bank of America provides a variety of credit cards tailored to different consumer needs, such as cashback, travel rewards, or low-interest cards. When you submit an application for a Bank of America credit card, the bank will perform a credit check, which results in a hard inquiry appearing on your credit report as BK OF AMER.

Requesting a Loan or Line of Credit

When you apply for a personal loan, mortgage, or line of credit from Bank of America, the bank will conduct a credit check. This process will also result in a hard inquiry on your credit report, identified by the BK OF AMER abbreviation.

Opening a Bank Account

Although not as common, sometimes applying for a checking or savings account with Bank of America might lead to a hard inquiry, depending on the specific account requirements. In such cases, the hard inquiry will also be listed on your credit report as BK OF AMER.

Hard Inquiries Explained: Credit Checks for New Credit

A hard credit inquiry is initiated when you apply for new credit, and the lender or creditor conducts a credit check to assess your creditworthiness. This type of inquiry may arise from various situations. Examples include applying for a mortgage, renting an apartment, taking out a car loan, applying for a credit card, obtaining an insurance policy, signing up for a cell phone plan, or even certain job applications.

Although hard inquiries usually cause a minor dip in your credit score, accumulating too many within a short time frame can significantly damage your score and hinder your ability to secure new credit.

Soft Inquiries: Credit Checks without Impacting Your Credit Score

On the other hand, a soft inquiry takes place when a company reviews your credit history as part of a background check or when a credit card issuer or lender evaluates your credit to preapprove you for an offer. Existing creditors might also perform a soft inquiry to monitor your ongoing credit performance.

Soft inquiries do not affect your credit score, allowing you to maintain your credit rating without negative repercussions.

How long do hard inquiries stay on your credit report?

Hard inquiries typically remain on your credit report for up to 2 years. Whenever you initiate an inquiry, it is documented by one or more of the three major credit bureaus: Equifax, Experian, and TransUnion.

Handling Unrecognized Inquiries

If you discover a BK OF AMER inquiry on your credit report that you don’t recall initiating or are confident that you didn’t request, you can contact Bank of America and inquire about the suspicious inquiry. The creditor’s name should appear under the ‘Hard Inquiries’ section on your credit report.

Bank of America Contact Information


Bank of America Corporation
100 North Tryon Street
Charlotte, NC 28255

Phone number: (800) 432-1000

Can BK OF AMER be removed from my credit report?

Credit Saint is a credit repair firm that specializes in removing inquiries and other derogatory marks from credit reports.

They can also assist in disputing (and possibly erasing) the following negative items from your credit report:

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

Taking Action to Restore Your Credit

If you’re struggling with poor credit, consider scheduling a free credit consultation with Credit Saint. Their extensive experience and expertise in assisting individuals in similar situations can provide valuable guidance and support.

Visit their website and complete the form to find out how they can help you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.