If you noticed “CBNA Sioux Falls” on your credit report and don’t recognize it, you’re not alone. This entry is linked to Citibank North America and typically shows up during credit card applications. Here’s what it means, how it affects your credit score, and what to do if the inquiry wasn’t authorized.
What Is CBNA Sioux Falls?
CBNA Sioux Falls stands for Citibank North America, based in Sioux Falls, South Dakota. It often appears as “CBNA Sioux Falls” or “CBNA Sioux Falls SD” on credit reports.
This entry usually means you applied for a Citibank-issued credit card or financial product. Citibank’s full address in Sioux Falls is:
5800 S Corporate Pl
Sioux Falls, SD 57108
Why CBNA Sioux Falls Appears on Your Credit Report
If you applied for a credit card backed by Citibank, a hard inquiry from CBNA Sioux Falls was likely added to your credit report as part of the approval process. Even if your application wasn’t approved, the inquiry remains.
Some of the credit cards that may trigger a CBNA inquiry include:
- Citi® Double Cash Card
- Citi Rewards+® Card
- Citi® Diamond Preferred®
- Citi Premier® Card
- Store cards from retailers like Best Buy, Home Depot, and Sears (issued by Citi)
How CBNA Sioux Falls Inquiries Affect Your Credit Score
A hard inquiry from CBNA Sioux Falls may cause your credit score to drop by a few points. That impact is usually temporary. However, multiple inquiries over a short period can have a greater effect and may make lenders cautious.
To maintain a strong credit profile, limit how often you apply for new credit, and always review inquiries for accuracy.
How Long CBNA Sioux Falls Inquiries Stay on Your Credit Report
Like all hard inquiries, CBNA Sioux Falls entries stay on your credit report for up to two years. The impact on your score fades over time and typically becomes negligible after 12 months.
If the inquiry wasn’t authorized, you don’t have to wait it out—you can request to have it removed.
What to Do If You Don’t Recognize the CBNA Sioux Falls Inquiry
If you didn’t apply for a Citibank product, follow these steps:
- Contact Citibank to verify the inquiry and determine whether an application was submitted in your name.
- Check for fraud by reviewing all three of your credit reports.
- Dispute the inquiry with the credit bureaus if it was unauthorized or made in error.
- Place a fraud alert or consider a credit freeze if you believe your identity was compromised.
Can You Remove CBNA Sioux Falls From Your Credit Report?
Yes. If the inquiry was unauthorized or added by mistake, you can file a dispute with Equifax, Experian, and TransUnion. Be sure to include supporting documentation if available.
You can handle the dispute process yourself or get help from a credit repair service. Companies like Credit Saint work with clients to challenge inaccurate or harmful entries, including:
- Hard inquiries
- Collections
- Late payments
- Charge-offs
- Repossessions
- Foreclosures
- Bankruptcies
Take Control of Your Credit
If unauthorized inquiries or other negative marks are dragging down your credit score, Credit Saint may be able to help. Their experienced team has helped thousands of people clean up their credit reports and start building a stronger financial future.
They even offer a 90-day money-back guarantee to give you peace of mind as you get started.
Visit their website today to learn how they can help you move forward.
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