How to Remove CB INDIGO From Your Credit Report

CB INDIGO on your credit report is one of those entries that can catch you off guard, especially if you don’t immediately connect it to a credit card application. It’s the code that appears when Celtic Bank runs a hard inquiry for the Indigo Platinum Mastercard, a card specifically built for people working to rebuild their credit score.

If you applied for the Indigo card, this entry is exactly what you’d expect. If you didn’t, it’s worth finding out what happened. This article explains what CB INDIGO means, how it affects your credit score, and what steps to take if you don’t recognize the entry.

What Is CB INDIGO on Your Credit Report?

CB INDIGO is the credit bureau identifier for Celtic Bank, the issuing bank behind the Indigo Platinum Mastercard. The card is marketed and managed through Genesis Financial Solutions and targets borrowers with limited or damaged credit histories who are trying to get back on track.

When you apply for the Indigo card, Celtic Bank pulls your credit history to evaluate your application. That pull gets recorded on your credit report as CB INDIGO, regardless of whether you were approved or denied.

Why CB INDIGO Appears on Your Credit Report

A hard inquiry is the most common reason CB INDIGO shows up on your credit report. Lenders are required to have your permission before running a hard inquiry, so if you see this entry and didn’t apply for the Indigo card, that’s a problem worth addressing.

The inquiry is typically tied to one of these situations:

• A new Indigo card application: Submitting an application online or through a mailer triggers a hard inquiry from Celtic Bank.
• A pre-approved offer you responded to: If you received a pre-screened offer and followed up, that follow-through counts as a formal application and generates a hard inquiry.
• An unauthorized application: If someone used your personal information to apply for the card without your knowledge, the inquiry still shows up on your credit report.

How CB INDIGO Affects Your Credit Score

A single hard inquiry from CB INDIGO causes a small, temporary dip in your credit score, usually just a few points. For most people, that’s not a significant concern. The impact fades within a few months and becomes negligible well before the entry drops off your credit report entirely.

Where it becomes more of an issue is when CB INDIGO is one of several hard inquiries in a short window. Multiple inquiries can signal to lenders that you’re actively seeking credit, which can make approvals harder to come by and push your credit score down further.

How Long CB INDIGO Stays on Your Credit Report

Hard inquiries remain on your credit report for two years from the date they were pulled. All three major credit bureaus, Equifax, Experian, and TransUnion, record the entry and display it to lenders during that period.

The effect on your credit score fades well before the two-year mark, often within three to six months. Once the full two years pass, the entry drops off automatically.

What to Do If You Don’t Recognize the CB INDIGO Entry

If CB INDIGO is on your credit report and you have no memory of applying for the Indigo card, take it seriously. It could be a reporting error, or it could mean someone applied for credit in your name without your authorization.

Here’s what to do:

• Contact Genesis FS Card Services: They manage the Indigo Mastercard and can tell you whether an application was submitted using your information, when it was submitted, and what the outcome was.
• Dispute with the credit bureaus: If the inquiry was not authorized, file a formal dispute with each credit bureau showing the entry. Include your personal details and a clear explanation of why the inquiry should be removed from your credit report.
• Consider a fraud alert or credit freeze: If you believe someone applied for credit in your name, a fraud alert requires lenders to verify your identity before approving new applications. A credit freeze offers stronger protection by blocking new credit entirely until you lift it.

Genesis FS Card Services Contact Information

If you need to reach the company that manages the Indigo Mastercard, here is their contact information:

Phone: (800) 509-6191

Mailing Address: Genesis FS Card Services, 15220 NW Greenbrier Pkwy, Suite 200, Beaverton, OR 97006

Bottom Line

CB INDIGO on your credit report is a hard inquiry from Celtic Bank, placed when someone applied for the Indigo Platinum Mastercard. If you made that application, the entry is legitimate and will age off your credit report after two years without any action needed.

If you don’t recognize it, act now. Reach out to Genesis FS Card Services, dispute the entry with the credit bureaus, and take steps to protect your credit report from further unauthorized activity. The sooner you address an unfamiliar inquiry, the less damage it can do to your credit score.