How to Remove LEXISNEXIS/INS/P&C From Your Credit Report

LEXISNEXIS/INS/P&C is one of the more unusual entries you can find on a credit report, because it doesn’t trace back to a credit card or a loan. It points to LexisNexis, a data analytics company that supplies risk information to insurance companies.

The INS/P&C portion of the code stands for Insurance, Property and Casualty, which tells you the inquiry was tied to an insurance application rather than a credit product.

If you’ve recently shopped for auto insurance, homeowners insurance, or another property and casualty policy, this is likely what generated the entry. Here’s what it means, whether it affects your credit score, and what to do if you don’t recognize it.

What Is LEXISNEXIS/INS/P&C on Your Credit Report?

LEXISNEXIS/INS/P&C stands for LexisNexis Insurance Property and Casualty. LexisNexis is a consumer reporting agency that collects and supplies personal data to a wide range of clients, including insurance companies, banks, lenders, healthcare providers, and government agencies.

When an insurance company uses LexisNexis to evaluate your risk profile during an application, that check can show up on your credit report as a hard inquiry under this code.

Why LEXISNEXIS/INS/P&C Appears on Your Credit Report

Unlike most hard inquiries, this one is tied to an insurance application rather than a credit product. Insurance companies in many states are permitted to use credit-based insurance scores as part of their underwriting process, and LexisNexis is one of the data providers they use to assess applicant risk.

Common situations that can generate this entry include:

• Auto insurance application: Applying for a new auto policy or switching carriers often triggers a LexisNexis check as part of the insurer’s risk evaluation.
• Homeowners or renters insurance: Property and casualty insurers frequently use LexisNexis data when underwriting new policies.
• Insurance quote requests: In some cases, even requesting a quote can trigger a hard inquiry, depending on how the insurer accesses LexisNexis data.

Does LEXISNEXIS/INS/P&C Hurt Your Credit Score?

A hard inquiry from LexisNexis can cause a small dip in your credit score, typically just a few points. That said, insurance-related inquiries are treated differently by some credit scoring models.

Certain versions of FICO and VantageScore either ignore insurance inquiries entirely or give them significantly less weight than credit-related inquiries.

The practical impact on your credit score is usually minor, and it fades within a few months even if it does register.

How Long LEXISNEXIS/INS/P&C Stays on Your Credit Report

Hard inquiries from LexisNexis remain on your credit report for two years from the date they were pulled. All three major credit bureaus, Equifax, Experian, and TransUnion, may display the entry during that window. The effect on your credit score diminishes well before the two-year mark, and the entry drops off automatically once the period ends.

What to Do If You Don’t Recognize the Entry

If LEXISNEXIS/INS/P&C appears on your credit report and you haven’t recently applied for insurance, take these steps:

• Contact LexisNexis directly: Ask them to identify which insurer requested the inquiry and when it was made. That information will help you connect the entry to a specific application or rule it out entirely.
• Dispute with the credit bureaus: If LexisNexis cannot verify that you authorized the inquiry, file a formal dispute with Equifax, Experian, and TransUnion. Include your personal details and a written explanation of why the entry should be removed from your credit report.
• Monitor your credit reports: Check all three credit bureaus for any other unfamiliar entries, since unauthorized activity rarely appears in just one place.

LexisNexis Contact Information

If you need to reach LexisNexis to ask about an inquiry or begin a dispute, here is their contact information:

Phone: (800) 543-6862

Mailing Address: LexisNexis, 230 Park Ave., 7th Floor, New York, NY 10169

Bottom Line

LEXISNEXIS/INS/P&C on your credit report is an insurance-related inquiry run by LexisNexis on behalf of a property and casualty insurer. It’s different from most hard inquiries in that it’s tied to an insurance application rather than a loan or credit card, and its impact on your credit score is typically minimal.

If you’ve recently shopped for auto or homeowners insurance, this entry is almost certainly legitimate. If you haven’t, contact LexisNexis to find out which insurer requested your data, and dispute the entry with the credit bureaus if you can’t verify it was authorized.