If you noticed LEXISNEXIS/INS/P&C listed on your credit report, you might be wondering what it means—and more importantly, whether it should be there. Let’s break it down and walk through how to remove it if it’s hurting your credit or wasn’t authorized.
What Is LEXISNEXIS/INS/P&C?
LEXISNEXIS/INS/P&C stands for LexisNexis Insurance Property & Casualty. It usually shows up as a hard inquiry when you apply for an insurance policy—especially auto or homeowners insurance. LexisNexis is a consumer reporting agency that supplies risk data to insurers, banks, and government agencies.
Why It Appears on Your Credit Report
When you apply for insurance, the company might check your credit history through LexisNexis to help them evaluate risk. That check creates a hard inquiry on your credit report, which is why LEXISNEXIS/INS/P&C shows up.
How LexisNexis Uses Your Information
LexisNexis isn’t a traditional credit bureau, but it still collects a wide range of personal data. Their clients include:
- Insurance companies
- Banks and lenders
- Healthcare providers
- Government agencies
- Law enforcement organizations
They use this information to make decisions about risk, coverage, and eligibility.
Does LEXISNEXIS/INS/P&C Hurt Your Credit Score?
Yes—but only slightly. A single hard inquiry from LexisNexis may lower your credit score by a few points. If you’ve had several hard inquiries in a short period, the impact can add up. This could affect your chances of getting approved for loans or credit cards with favorable terms.
How Long Does It Stay on Your Credit Report?
Hard inquiries like LEXISNEXIS/INS/P&C typically stay on your credit report for up to two years. They’re visible to lenders who pull your credit report during that time, although the impact on your credit score usually fades after a few months.
What to Do If You Don’t Recognize the Inquiry
If you never applied for insurance or didn’t authorize a LexisNexis check, the inquiry might be a mistake—or even a sign of identity theft. Here’s what to do:
- Step 1: Contact LexisNexis to confirm why the inquiry occurred.
- Step 2: If it was unauthorized, dispute it with the credit bureaus.
- Step 3: Monitor your credit for other suspicious activity.
How to Contact LexisNexis
Here’s how to reach them if you need to ask questions or dispute the inquiry:
LexisNexis
230 Park Ave., 7th Floor
New York, NY 10169
Phone: (800) 543-6862
How to Remove LEXISNEXIS/INS/P&C From Your Credit Report
If the inquiry was made in error or you didn’t give permission, you have the right to dispute it. You can contact the credit bureaus directly, or you can work with a trusted credit repair company to handle the process for you.
Companies like Credit Saint specialize in removing unauthorized inquiries and other damaging items, including:
- Late payments
- Collections
- Charge-offs
- Repossessions
- Foreclosures
- Bankruptcies
Take Back Control of Your Credit
Getting negative items removed from your credit report can open the door to better loan terms and financial options. If you’re ready to take action, Credit Saint offers a free consultation to help you understand what’s on your credit report and what can be fixed. They even offer a 90-day money-back guarantee, so there’s no risk in getting started.
Visit their website and take the first step toward better credit.
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