If you see CREDCO listed on your credit report, it’s likely tied to a credit check performed by CoreLogic Credco. Whether you applied for a mortgage, auto loan, or rental housing, here’s what that entry means, how it affects your credit, and what to do if it wasn’t authorized.
What Is CoreLogic Credco?
CoreLogic Credco is a legitimate credit reporting agency that provides merged credit reports to lenders, pulling data from Equifax, Experian, and TransUnion. Lenders often use CoreLogic Credco to run a single inquiry that combines information from all three credit bureaus.
Their services are commonly used for:
- Mortgage applications
- Auto loan approvals and refinancing
- Tenant background checks
- Credit counseling sessions
If you applied for credit in any of these categories, CoreLogic Credco may appear on your credit report.
Why CREDCO Appears on Your Credit Report
There are several reasons CREDCO might show up on your credit report:
- You applied for a mortgage or auto loan
- You prequalified for credit with a lender using Credco
- You refinanced a car loan
- A landlord pulled your tenant screening report
- You received credit counseling that used Credco’s reporting services
In each case, Credco acts as the intermediary, providing lenders or property managers with your full credit profile.
How CREDCO Inquiries Affect Your Credit Score
If the inquiry is tied to a credit application or loan refinance, it will be classified as a hard inquiry. A hard inquiry can slightly lower your credit score, usually by just a few points. While the impact is temporary, multiple hard inquiries in a short time can make it more difficult to get approved for new credit.
Soft inquiries—like those for prequalification or credit counseling—do not affect your credit score.
How Long a CREDCO Inquiry Stays on Your Credit Report
Hard inquiries from CoreLogic Credco remain on your credit report for up to two years. They are recorded by all three major credit bureaus. While the effect on your credit score decreases after about 12 months, the entry itself stays visible to lenders for the full 24 months.
What to Do if the CREDCO Inquiry Wasn’t Authorized
If you don’t recognize a CREDCO inquiry, take immediate steps to investigate. An unauthorized entry could be the result of identity theft or a reporting error. Here’s how to handle it:
- Contact CoreLogic Credco to ask for details about the inquiry
- Document your communication, including dates, names, and responses
- File a dispute with any credit bureau reporting the inquiry
- Continue monitoring your credit reports for new or unfamiliar entries
CoreLogic Credco Contact Information
Mailing address:
Credco Consumer Services Department
P.O. Box 509124
San Diego, CA 92150
Phone number: (877) 532-8778
Can You Remove a CREDCO Inquiry From Your Credit Report?
If the inquiry was added without your permission or is the result of a reporting error, you have the right to dispute it. You can handle this process on your own, or choose to work with a credit repair company for additional support.
Companies like Credit Saint specialize in helping people remove inaccurate or unauthorized credit report entries. They can also assist with other negative marks, including:
- Late payments
- Collections
- Charge-offs
- Foreclosures
- Repossessions
- Bankruptcies
Take the First Step Toward Better Credit
If hard inquiries like CREDCO are affecting your credit, or if you’re dealing with other negative items, professional help can make a difference. Credit Saint offers free consultations and has helped many people improve their credit standing through targeted disputes and strategic guidance.
They even offer a 90-day money-back guarantee, giving you peace of mind as you take steps to clean up your credit. To learn more, visit their website and explore how they can support your credit repair goals.
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