If “DSNB Bloom” has shown up on your credit report, it likely relates to a Bloomingdale’s credit card application. Here’s what the entry means, how it affects your credit score, and what you can do if you didn’t authorize it.
What Is DSNB Bloom?
DSNB Bloom stands for Department Stores National Bank/Bloomingdale’s. DSNB is the issuer of the Bloomingdale’s credit card, and if you’ve recently applied for one, you’ll likely see this entry appear as a hard inquiry on your credit report.
This is part of the standard approval process and helps the bank evaluate your creditworthiness.
Why DSNB Bloom Appears on Your Credit Report
When you apply for a Bloomingdale’s credit card—whether online or in-store—DSNB performs a hard credit check. This inquiry is recorded on your credit report under the name “DSNB Bloom.”
Even if you weren’t approved, or you didn’t complete the application, the inquiry may still appear.
How a DSNB Bloom Inquiry Affects Your Credit Score
A hard inquiry like DSNB Bloom can lower your credit score by a few points. A single inquiry is usually no big deal, but having several in a short timeframe may raise red flags to other lenders.
Hard inquiries suggest that you’re actively seeking credit, which can be a risk factor when applying for loans or other credit cards.
How Long DSNB Bloom Inquiries Stay on Your Report
Hard inquiries stay on your credit report for up to two years. However, their impact on your credit score typically fades after the first 12 months.
If the inquiry was legitimate, there’s no need to take action—it will fall off naturally. But if you didn’t authorize it, you should dispute it right away.
What to Do If You Don’t Recognize the Inquiry
If you didn’t apply for a Bloomingdale’s credit card, take these steps:
- Contact DSNB to get more information about the inquiry and confirm whether someone submitted an application in your name.
- Review your credit reports for any other suspicious activity.
- File a dispute with the credit bureaus (Equifax, Experian, and TransUnion) to request removal if the inquiry was unauthorized.
- Consider a fraud alert or credit freeze if you suspect identity theft.
DSNB Contact Info:
Department Stores National Bank
PO Box 8218
Mason, OH 45040-8218
Phone: (888) 257-6762
How to Remove DSNB Bloom From Your Credit Report
You can dispute unauthorized or inaccurate inquiries directly with the credit bureaus. If the inquiry is removed, it will no longer affect your credit.
If you’d rather not handle the process yourself, a reputable credit repair service can help. Credit Saint is one of the most trusted names in the industry, helping clients remove:
- Hard inquiries
- Late payments
- Collections
- Charge-offs
- Repossessions
- Foreclosures
- Bankruptcies
Rebuild Your Credit With Expert Help
If hard inquiries or other negative marks are holding back your credit score, Credit Saint can help you take action. Their team has helped thousands of people clean up their reports and take meaningful steps toward stronger credit.
They even offer a 90-day money-back guarantee for added peace of mind.
Visit their website today to see how they can help you move forward.
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