If FLAGSHIP CRE appears on your credit report, it means your credit was pulled by Flagship Credit Acceptance—often during an auto loan application. Here’s what that means, how it affects your credit score, and what you can do if the inquiry wasn’t authorized.
What FLAGSHIP CRE Means on Your Credit Report
FLAGSHIP CRE is the reporting code for Flagship Credit Acceptance, a lender that provides auto loans, particularly to borrowers with less-than-perfect credit. They work with car dealerships to offer financing to customers who may not qualify for traditional loans.
This entry typically shows up after you apply for auto financing at a dealership that works with Flagship Credit Acceptance.
Why FLAGSHIP CRE Appears on Your Credit Report
When you apply for an auto loan through a dealer, your credit report is often pulled by one or more lenders. If the dealer submits your application to Flagship Credit Acceptance, the company performs a credit check, which creates a hard inquiry listed as FLAGSHIP CRE.
Even if the loan wasn’t approved—or you didn’t move forward with the offer—the inquiry still remains on your credit report.
How a Hard Inquiry From FLAGSHIP CRE Affects Your Credit Score
A hard inquiry from FLAGSHIP CRE can cause a small drop in your credit score—typically just a few points. While a single inquiry has a limited effect, several inquiries within a short time frame can add up. Lenders may see this as a sign that you’re actively seeking new credit, which can raise red flags.
Hard inquiries are visible to lenders and can influence their decision to approve or deny credit.
How Long FLAGSHIP CRE Stays on Your Credit Report
A hard inquiry from Flagship Credit Acceptance stays on your credit report for up to two years. It is recorded by all three major credit bureaus: Equifax, Experian, and TransUnion.
The impact on your score fades after about 12 months, but the inquiry remains visible until it is automatically removed after 24 months.
What to Do if the FLAGSHIP CRE Inquiry Wasn’t Authorized
If you don’t recognize the inquiry, take steps to verify its legitimacy. This could be a clerical error or a sign of identity theft. Here’s how to respond:
- Contact Flagship Credit Acceptance to ask for details about the inquiry
- Dispute the entry with the credit bureaus if it was unauthorized
- Monitor your credit reports to check for other suspicious activity
Flagship Credit Acceptance Contact Information
Flagship Credit Acceptance
P.O. Box 965
Chadds Ford, PA 19317
Can You Remove FLAGSHIP CRE From Your Credit Report?
If the inquiry was legitimate, it will remain on your report for the full two years. But if it was added in error or without your permission, you can dispute it. Some people handle this on their own, while others prefer help from credit repair professionals.
Companies like Credit Saint specialize in removing inaccurate or unauthorized items from credit reports. They can also assist with:
- Hard inquiries
- Late payments
- Collections
- Charge-offs
- Foreclosures
- Repossessions
- Bankruptcies
Take Charge of Your Credit
If you’re dealing with unauthorized inquiries or other negative items on your credit report, expert guidance can make the process easier. Credit Saint offers free consultations to help you understand your credit and take the right steps forward.
They even offer a 90-day money-back guarantee, so you can move forward with confidence. Visit their website to learn how they can help you improve your credit.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
