If you’ve noticed CCB/Lndingcl on your credit report, you might be wondering what it means and how it affects your credit. Here’s exactly what it is, why it shows up, and how to remove it if necessary.
What Is CCB/Lndingcl on Your Credit Report?
CCB/Lndingcl stands for Comenity Capital Bank and LendingClub. This code appears on your credit report after you apply for credit through LendingClub, which partners with Comenity Capital Bank to issue certain financial products.
When Comenity Capital Bank checks your credit during the application process, that inquiry is recorded as CCB/Lndingcl.
Why CCB/Lndingcl Appears on Your Credit Report
Applying for a personal loan or other credit product through LendingClub triggers a hard inquiry from Comenity Capital Bank. Hard inquiries are a standard part of the approval process whenever a lender reviews your credit file.
Even if your application is denied, the inquiry remains on your credit report as a record of your recent credit activity.
How CCB/Lndingcl Inquiries Affect Your Credit Score
A hard inquiry from CCB/Lndingcl may lower your credit score by a few points. A single inquiry isn’t likely to cause serious damage, but several inquiries in a short period can raise concerns with lenders.
Multiple hard inquiries might signal that you’re actively seeking credit, which can make lenders more cautious when evaluating new applications. To help protect your credit score, apply for new credit only when necessary.
How Long CCB/Lndingcl Stays on Your Credit Report
Hard inquiries like CCB/Lndingcl stay on your credit report for up to two years. Their effect on your credit score fades over time, but they remain visible to lenders and creditors until they drop off automatically after 24 months.
Keeping track of these inquiries is a good way to manage your credit profile and avoid surprises.
What to Do If You Didn’t Authorize a CCB/Lndingcl Inquiry
If you see CCB/Lndingcl on your credit report and didn’t apply for credit with LendingClub, here’s what to do:
- Contact Comenity Capital Bank: Ask for details about the inquiry. They can confirm whether it was legitimate or made in error.
- Dispute the Inquiry: If the inquiry wasn’t authorized, file a dispute with 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 stop further unauthorized activity.
Can You Remove CCB/Lndingcl From Your Credit Report?
If the inquiry was unauthorized or recorded by mistake, you have the right to dispute it with the credit bureaus. Removing inaccurate hard inquiries is one way to keep your credit report clean and protect your credit score.
Many people work with credit repair companies for help. Credit Saint is one trusted option that works to remove hard inquiries, collections, late payments, charge-offs, repossessions, foreclosures, and bankruptcies from credit reports.
Need Help Fixing Your Credit?
If hard inquiries or other negative marks are hurting your credit, Credit Saint may be able to help. They even offer a 90-day money-back guarantee if you’re not satisfied with their service.
Visit their website, fill out the quick form, and take the first step toward improving your credit.
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