If you spotted “CB INDIGO” on your credit report, you’re probably wondering why it’s there—and what you can do about it. Here’s what you need to know, including how to remove it if the inquiry wasn’t authorized.
What Is CB INDIGO?
CB INDIGO shows up when you apply for the Indigo Platinum Mastercard, which is issued by Celtic Bank in partnership with Genesis Financial Solutions. This credit card is geared toward people working to rebuild their credit.
If you applied for the Indigo card, the hard inquiry labeled “CB INDIGO” is a normal part of the approval process.
Why CB INDIGO Appears on Your Credit Report
CB INDIGO shows up as a hard inquiry on your credit report. That happens when a lender checks your credit during an application for new credit—like a credit card or loan.
Hard inquiries require your permission, so if you didn’t apply for the Indigo card, it’s worth investigating further.
How a CB INDIGO Inquiry Affects Your Credit Score
A single hard inquiry like CB INDIGO usually causes a small, short-term drop in your credit score. It’s not a big deal on its own, but several hard inquiries in a short span can raise concerns for lenders.
Too many inquiries can make it look like you’re aggressively seeking credit, which may hurt your chances of getting approved elsewhere.
How Long CB INDIGO Stays on Your Credit Report
Hard inquiries stay on your credit report for up to two years. The credit score impact fades much faster—often within a few months.
Still, it’s smart to monitor your credit reports so you can catch anything you didn’t approve.
What to Do If You Don’t Recognize the CB INDIGO Inquiry
If you didn’t apply for the Indigo card or don’t recognize the CB INDIGO inquiry, start by reaching out to the card issuer to verify what happened.
In this case, you’ll want to contact Genesis FS Card Services, which manages the Indigo Mastercard.
Genesis FS Card Services Contact Info:
15220 NW Greenbrier Pkwy, Suite 200
Beaverton, OR 97006
Phone: (800) 509-6191
They should be able to confirm whether an application was submitted using your information.
How to Remove CB INDIGO From Your Credit Report
If the CB INDIGO inquiry is inaccurate or unauthorized, you can dispute it with the credit bureaus—Equifax, Experian, and TransUnion. Each one allows you to file a dispute online, by phone, or by mail.
If you’d rather have someone handle the process for you, a credit repair service like Credit Saint may be able to help. They specialize in challenging inaccurate or unauthorized credit entries, including:
- Hard inquiries
- Collections
- Late payments
- Charge-offs
- Repossessions
- Foreclosures
- Bankruptcies
Ready to Clean Up Your Credit Report?
You don’t have to deal with credit issues alone. Credit Saint has helped many people dispute inaccurate items and rebuild their credit with confidence.
They even back their service with a 90-day money-back guarantee—so there’s no pressure to get started.
Visit their website to see how they can help you take the next step.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
