How to Remove MABT CONTFIN From Your Credit Report

Updated

Is MABT CONTFIN hurting your credit score?

Credit Saint has successfully assisted countless clients in removing inaccurate and questionable credit inquiries from their credit reports.

If MABT CONTFIN shows up on your credit report, it usually means a lender pulled your credit. Here’s what it means, how it affects your score, and what to do if it wasn’t authorized.

What MABT CONTFIN Means on Your Credit Report

MABT CONTFIN is shorthand for Mid America Bank & Trust and Continental Finance. Continental Finance is known for offering credit cards to people with low or damaged credit. These cards are often issued through Mid America Bank & Trust.

If you applied for one of their credit products—like the Reflex, Fit, or Surge Mastercard—this inquiry is likely the result.

Why MABT CONTFIN Appears on Your Credit Report

This entry shows up when you apply for a credit card through Continental Finance. As part of the approval process, the lender checks your credit report, which creates a hard inquiry. These are common with any credit card or loan application.

How MABT CONTFIN Inquiries Affect Your Credit Score

A hard inquiry from MABT CONTFIN can lower your credit score slightly—usually just a few points. While a single inquiry has minimal impact, several inquiries in a short time can signal risk to lenders and make it harder to qualify for new credit.

If you’re planning to apply for more financing soon, it’s smart to limit new inquiries.

How Long MABT CONTFIN Stays on Your Credit Report

A hard inquiry from MABT CONTFIN will remain on your credit report for up to two years. All three major credit bureaus—Equifax, Experian, and TransUnion—record the inquiry. The impact on your score decreases after 12 months, but the inquiry stays visible until the 24-month mark.

What to Do if the MABT CONTFIN Inquiry Wasn’t Authorized

If you didn’t apply for a credit card from Continental Finance or Mid America Bank & Trust, you may be dealing with a mistake or identity theft. Here’s how to handle it:

  • Contact the lender to ask for details about the inquiry
  • Dispute the inquiry with the credit bureaus if it wasn’t authorized
  • Monitor your credit reports for any other unfamiliar entries

Can You Remove MABT CONTFIN From Your Credit Report?

If the inquiry is accurate, it will stay on your credit report for the full two years. But if it was added in error or without your permission, you can file a dispute. Some people choose to handle this themselves, while others prefer professional help.

Credit repair companies like Credit Saint can assist with disputing inaccurate items, including:

  • Hard inquiries
  • Late payments
  • Collections
  • Charge-offs
  • Foreclosures
  • Repossessions
  • Bankruptcies

Take Control of Your Credit

If you’re trying to fix your credit, getting help from experts can make the process easier. Credit Saint offers a free consultation to help you understand what’s hurting your credit and what can be done about it.

They even offer a 90-day money-back guarantee if you’re not satisfied. To get started, visit their website and fill out the form for your free consultation.

Ready to Clean Up Your Credit Report?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

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