How to Remove Credit Information Systems From Your Credit Report

If you’ve spotted Credit Information Systems listed on your credit report, it likely showed up after applying for a mortgage or other type of loan. Here’s what that means—and how to get it removed if it wasn’t authorized or is affecting your credit score.

What Is Credit Information Systems?

Credit Information Systems (CIS) is an appraisal management company that also provides credit reports to lenders. When a lender wants to assess your creditworthiness—often for a mortgage—they might request a report through CIS. That request triggers a hard inquiry on your credit report.

Why It Appears on Your Credit Report

CIS doesn’t issue loans or credit cards. Instead, it acts as a middleman, pulling your credit report on behalf of a lender. If you’ve recently applied for a mortgage, auto loan, or other credit product, a CIS hard inquiry could show up as a result of that application.

What Credit Information Systems Does With Your Data

CIS compiles data from the major credit bureaus, including your payment history, current debts, credit limits, and recent inquiries. This information is used by lenders to evaluate risk and make decisions about your application.

Does a CIS Inquiry Hurt Your Credit Score?

Yes—but only slightly. A single hard inquiry from CIS might lower your credit score by a few points. The impact is temporary, but multiple inquiries over a short period can raise red flags to lenders and cause more noticeable drops.

How Long a CIS Inquiry Stays on Your Report

Hard inquiries from CIS stay on your credit report for up to two years. While the inquiry remains visible that long, it usually only affects your credit score for the first 12 months.

What to Do If You Don’t Recognize the Inquiry

If you didn’t apply for credit or don’t remember a lender using CIS, it’s important to follow up. Here’s how to handle it:

• Step 1: Contact Credit Information Systems to confirm who requested the inquiry.
• Step 2: If the inquiry was unauthorized, you have the right to dispute it with the credit bureaus.
• Step 3: Keep an eye on your credit report for any other unfamiliar activity.

How to Contact Credit Information Systems

Here’s their contact information if you need to ask questions or dispute the inquiry:

Credit Information Systems
225 S Main St.
Council Bluffs, IA 51503
Phone: (800) 782-9094

How to Remove Credit Information Systems From Your Credit Report

If you believe the inquiry was a mistake—or worse, unauthorized—you can dispute it directly with the credit bureaus. But handling this process can be frustrating or time-consuming.

That’s where a credit repair company like Credit Saint can help. Their team works to remove unauthorized or inaccurate inquiries, along with other negative marks like:

• Late payments
• Charge-offs
• Collections
• Foreclosures
• Repossessions
• Bankruptcies

Ready to Take Back Control of Your Credit?

You don’t have to settle for a lower credit score. Credit Saint offers a free consultation to review your credit situation and outline a strategy to fix it. They’ve helped thousands of people clean up their credit reports—and they even offer a 90-day money-back guarantee if you’re not satisfied.

Visit their website today and start moving toward better credit.