How to Remove Elan Financial Services From Your Credit Report

Is Elan Financial Services hurting your credit score?

Lexington Law Firm has successfully assisted millions of clients in removing inaccurate and questionable credit inquiries from their credit reports.

What is Elan Financial Services?

Elan Financial Services, a subsidiary of US Bank Corp, is a credit card issuer that partners with over 1,400 financial institutions.

Elan Financial Services may be on your credit report as a hard inquiry. This usually happens when you apply for a credit card with a bank or credit union.

Which credit cards are offered by Elan Financial Services?

Elan Financial Services provides credit card programs for over 1,300 banks and credit unions such as:

  • Associated Bank
  • Bank of Oklahoma
  • Banner Federal Credit Union
  • BMW
  • Bremer Bank
  • Busey Bank
  • Chevron Federal Credit Union
  • Country Club Bank
  • Desert Financial Credit Union
  • Ent Credit Union
  • Envision Bank
  • Farmers and Merchants Bank
  • Fidelity Investments
  • First Financial Northwest Bank
  • First Merchants Bank
  • Flagstar Bank
  • Highland Bank
  • Mini
  • MIT Federal Credit Union
  • NRL Federal Credit Union
  • Renasant Bank
  • Star Financial Group
  • United Community Bank
  • Workers Credit Union

What is a hard inquiry?

A hard inquiry occurs any time you apply for new credit and the lender or creditor runs a credit check. It can be for a mortgage, apartment, car loan, credit card, insurance policy, cell phone, and sometimes even a job application.

Hard inquiries will typically only drop your credit score by a few points. However, if you have too many, especially in a short period of time, they can really start to add up and do some damage.

What is a soft inquiry?

A soft inquiry typically occurs when a company checks your credit history as part of a background check. It can also happen when a credit card issuer or lender checks your credit to prequalify you for an offer. Sometimes a soft inquiry might even be pulled by an existing creditor just checking on your current credit situation.

Soft inquiries do not have an impact on your credit scores.

How long do hard inquiries stay on your credit report?

Whether you get approved for a credit card from Elan Financial Services makes no difference. The hard inquiry will remain on your credit report for up to 2 years. Each time you make an inquiry, it is recorded by one or all of the three major credit bureaus: Equifax, Experian, and TransUnion.

Unauthorized Inquiries

If you don’t recognize the inquiry, or you are sure you didn’t make the inquiry, contact Elan Financial Services and ask them why an inquiry was made. The creditor’s name should be listed under the hard inquiry section on your credit report.

Elan Financial Services Contact Information

Mailing address:

Elan Financial Services
P.O. Box 790408
St. Louis, MO 63179-0408

Phone number: (800) 558-3424

Can Elan Financial Services be removed from my credit report?

Lexington Law specializes in removing inquiries and other negative marks on your credit report. They have over 18 years of experience and their clients saw over 6 million removals on their clients in 2021 alone.

They can also help you dispute (and possibly remove) the following items:

  • late payments
  • collections
  • charge offs
  • foreclosures
  • repossessions
  • bankruptcies

Get Your Inquiries Removed Today!

If you’re struggling with bad credit and want to learn more, consider a free credit consultation with Lexington Law.

They have helped many people in your situation. Give them a call at (800) 220-0084 to see what they can do for you.