Seeing “Genesis/FEB-Retail” on your credit report and not sure why it’s there? Here’s what it means, how it can affect your credit, and how to get it removed if it doesn’t belong.
What Is Genesis/FEB-Retail on Your Credit Report?
Genesis/FEB-Retail represents Genesis Financial Solutions, a company that issues private label credit cards, often to people with less-than-perfect credit. They partner with retail brands and offer credit cards like the Indigo® Platinum Mastercard®, Destiny Mastercard®, and Milestone® Gold Mastercard®.
If you’ve applied for one of these cards, a hard inquiry from Genesis/FEB-Retail likely showed up on your credit report as part of that process.
Why Genesis/FEB-Retail Appears on Your Credit Report
This entry usually means you:
- Applied for a credit card issued by Genesis Financial Solutions
- Were prequalified and submitted an application that triggered a hard inquiry
- Co-signed or were added as an authorized user on a Genesis-backed credit card
In each case, Genesis/FEB-Retail may appear as a hard inquiry, which lenders use to assess your credit profile.
How Genesis/FEB-Retail Inquiries Affect Your Credit Score
Hard inquiries can lower your credit score by a few points. One inquiry isn’t a big deal—but multiple inquiries in a short time can add up. That could raise red flags for lenders and hurt your chances of getting approved for future credit.
How Long a Genesis/FEB-Retail Inquiry Stays on Your Credit Report
A hard inquiry from Genesis/FEB-Retail can remain on your credit report for up to two years. All three major credit bureaus—Equifax, Experian, and TransUnion—may include it in their records. While it stays visible for 24 months, most scoring models stop factoring it into your credit score after the first 12 months.
What to Do If You Didn’t Authorize the Inquiry
If you don’t recognize the Genesis/FEB-Retail entry or never applied for one of their credit cards, take these steps:
- Contact Genesis Financial Solutions to confirm the details of the inquiry.
- Dispute the entry with the credit bureaus if it was made in error or without your permission.
- Monitor your credit reports for other unfamiliar activity in case of identity theft.
Genesis Financial Solutions Contact Information
PO Box 4499
Beaverton, OR 97076-4499
Phone: (866) 502-6439
How to Remove Genesis/FEB-Retail From Your Credit Report
If the Genesis/FEB-Retail inquiry was unauthorized or inaccurately reported, you can file a dispute with the credit bureaus. This process involves submitting documentation and following up to ensure the issue gets resolved.
Prefer professional help? A credit repair company like Credit Saint can take care of the process for you. They specialize in removing inaccurate inquiries and cleaning up other negative items, including:
- Collections
- Late payments
- Charge-offs
- Foreclosures
- Repossessions
- Bankruptcies
Rebuild Your Credit With Confidence
Negative marks like hard inquiries don’t have to hold you back. Credit Saint has helped thousands of people remove inaccuracies from their credit reports—and they even offer a 90-day money-back guarantee if they don’t deliver.
Visit their website to get started and see how they can help you take control of your credit today.
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