What is Genesis/FEB-Retail?
Genesis/FEB-Retail stands for Genesis Financial Solutions/Retail.
Genesis/FEB-Retail may be on your credit report as a hard inquiry. This usually happens when you apply for a credit card issued by Genesis FS like the Indigo Platinum Mastercard, Destiny Mastercard, or Milestone Gold Mastercard.
Hard inquiries on your credit report 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.
How long do hard inquiries stay on your credit report?
Hard inquiries can remain on your credit report for up to two years. Each time you make an inquiry, it is recorded by one or all of the three major credit reporting agencies: Equifax, Experian, and TransUnion.
Can Genesis/FEB-Retail be removed from my credit report?
If you’re looking to remove Genesis/FEB-Retail from your credit report, there are a few routes you can take. First, you could dispute the hard inquiry with the credit reporting agency. This process involves submitting a letter of dispute, where you explain why the inquiry is inaccurate and ask for its removal.
Another possible solution is to enlist the help of a credit repair company, such as Lexington Law Firm. They are experts in removing negative marks from credit reports and have been in the business for 18 years. Their track record speaks for itself – in 2021 alone, they successfully removed over 6 million negative marks for their clients.
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.
