How to Remove Macys/DSNB From Your Credit Report

If you’ve spotted “Macys/DSNB” on your credit report, you might be wondering what it means—and how to get rid of it. Whether it’s legit or a mistake, here’s what you need to know and what steps to take.

What Macys/DSNB Means on Your Credit Report

Macys/DSNB is the code for Department Stores National Bank, the issuer behind Macy’s credit cards. If you applied for a Macy’s American Express Card or a store-branded card, you likely triggered a hard inquiry, which shows up as “Macys/DSNB” on your credit report.

You might also see it listed if you were added as an authorized user or if you completed a transaction that triggered a credit check.

Why Macys/DSNB Shows Up

When you apply for a Macy’s credit card, DSNB runs a credit check to decide whether to approve your application. This check shows up as a hard inquiry—and that’s what’s reflected by “Macys/DSNB” on your credit report.

Do Hard Inquiries Hurt Your Credit Score?

A hard inquiry can drop your credit score by a few points. One isn’t a big deal, but multiple inquiries close together can cause more noticeable damage. That could make it tougher to get approved for other credit cards, loans, or lines of credit.

How Long Macys/DSNB Stays on Your Credit Report

Hard inquiries stick around for up to two years, no matter which credit bureau you check—Equifax, Experian, or TransUnion. The good news? Their impact fades much faster. After the first few months, they barely affect your credit score at all.

What to Do if You Didn’t Authorize the Inquiry

If you didn’t apply for a Macy’s credit card, or if the inquiry doesn’t ring a bell, take action. Here’s how:

• Contact DSNB: Call the bank and ask why the inquiry happened. Mistakes happen, and so does fraud.
• Dispute the Inquiry: If it wasn’t authorized, file a dispute with the credit bureaus. They’re required to investigate and remove it if it’s not valid.

DSNB Contact Information

• Mailing Address:
  DSNB
  701 E 60th St. N
  Sioux Falls, SD 57104
• Phone Number: (605) 370-6261

How to Remove Macys/DSNB From Your Credit Report

If the inquiry was made in error—or if you just need help cleaning up your credit—you don’t have to do it alone. A credit repair service like Credit Saint can help you dispute inaccurate hard inquiries along with other negative items like collections, late payments, and charge-offs.

They’ve worked with thousands of people and offer personalized strategies for improving your credit. They even offer a 90-day money-back guarantee if you’re not satisfied with the results.

Ready to Clean Up Your Credit?

If Macys/DSNB or other negative marks are weighing down your credit report, it might be time to get professional help. Start with a free credit consultation from Credit Saint and see what’s possible. Their team can walk you through your options—and help you take control of your credit for good.

They back their service with a 90-day money-back guarantee, so there’s nothing to lose. Visit their website and get started today.