Seeing Clarity Services on your credit report might catch you off guard—especially if you don’t recognize the name. Here’s what it means, how it impacts your credit score, and what you can do if the inquiry wasn’t authorized.
What Is Clarity Services?
Clarity Services, Inc. is a credit reporting agency owned by Experian. It focuses on alternative financial data for people with limited or poor credit history. Lenders that serve subprime markets often use Clarity to evaluate applicants who may not qualify through traditional credit checks.
In addition to credit reports, Clarity provides services like identity verification and fraud prevention.
Why Clarity Services Appears on Your Credit Report
Clarity Services typically appears on your credit report as a hard inquiry. This means a lender or financing company checked your credit through Clarity as part of a credit application.
This often happens with:
- Payday lenders
- Subprime personal loans
- Credit cards for bad credit
- Buy now, pay later services
If you’ve applied for one of these recently, Clarity was likely used during the application process.
How Clarity Services Inquiries Affect Your Credit Score
Hard inquiries can slightly lower your credit score. One inquiry usually won’t do much damage—but several in a short span can signal risk to lenders and lead to more serious credit consequences.
Lenders might assume you’re urgently seeking credit or struggling financially, which can reduce your chances of getting approved elsewhere.
How Long Clarity Services Inquiries Stay on Your Credit Report
Clarity Services inquiries remain on your credit report for up to two years. Their impact on your credit score fades over time, usually within a few months.
Still, it’s important to check your reports regularly to make sure all inquiries are legitimate.
What to Do If You Don’t Recognize the Clarity Services Inquiry
If you see a Clarity Services hard inquiry and didn’t apply for credit, contact them right away to ask for more details.
You may also want to place a fraud alert on your credit file if you suspect identity theft. An unauthorized hard inquiry can be a warning sign that someone tried to open credit in your name.
Here’s how to reach them:
Clarity Services, Inc.
P.O. Box 5717
Clearwater, FL 33758
Phone: (866) 390-3118
How to Remove Clarity Services From Your Credit Report
If the inquiry was made without your consent—or if there’s an error—you can dispute it directly with the credit bureaus. Each bureau (Equifax, Experian, and TransUnion) allows you to file disputes online, by mail, or over the phone.
You can also get help from a reputable credit repair service. Credit Saint works with clients to remove inaccurate hard inquiries and other damaging entries, including:
- Late payments
- Collections
- Charge-offs
- Repossessions
- Foreclosures
- Bankruptcies
Ready to Improve Your Credit?
Credit Saint has helped many people remove inaccurate information from their credit reports and take back control of their financial future.
They even offer a 90-day money-back guarantee if they don’t deliver results.
Visit their website today to see how they can help you move forward with a cleaner credit report.
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