If you spotted MicroBilt on your credit report and aren’t sure why it’s there, you’re not alone. MicroBilt is a lesser-known but widely used credit reporting agency that collects and shares data used in lending, background checks, and identity verification. Here’s what it means, how it affects your credit, and how to remove it if necessary.
What MicroBilt Is and Why It Matters
MicroBilt is a consumer reporting agency that provides alternative credit data and risk management tools to lenders, collections agencies, insurers, and employers. They specialize in non-traditional credit insights, often used when someone applies for credit or services outside of mainstream financial institutions.
In short, MicroBilt helps businesses evaluate your creditworthiness—even if you don’t have a long history with the big three credit bureaus.
How MicroBilt Collects and Uses Your Information
MicroBilt pulls data from a wide range of sources, including:
- Banks and credit unions
- Payday lenders and subprime credit providers
- Credit card companies
- Public records
They compile this information into consumer reports that include your borrowing history, payment behavior, outstanding debts, and sometimes even utility or rental payments.
Lenders and other companies use these reports to decide whether to approve your application—and on what terms.
Why MicroBilt Might Show Up on Your Credit Report
If a lender or service provider checks your credit using MicroBilt, a hard inquiry may appear on your report. This usually happens when you apply for:
- Payday loans
- Auto financing from smaller dealerships
- Rent-to-own financing
- Personal loans from alternative lenders
Hard inquiries can cause a slight dip in your credit score. They’re recorded by the major credit bureaus—Equifax, Experian, and TransUnion—and visible to other lenders reviewing your file.
How Long MicroBilt Inquiries Stay on Your Credit Report
A hard inquiry from MicroBilt stays on your credit report for up to two years. While the credit score impact fades after a few months, the record of the inquiry remains until it drops off automatically.
If you’re applying for other types of credit soon—like a mortgage or auto loan—it’s a good idea to limit new inquiries, as too many can make you look riskier to lenders.
What to Do If a MicroBilt Inquiry Looks Suspicious
If you don’t recognize a MicroBilt inquiry, act fast. It could be a simple error—or a sign that someone else used your information.
Here’s how to handle it:
- Contact MicroBilt directly: Ask for details about the inquiry to determine if it was legitimate.
- Dispute with the credit bureaus: If the inquiry was unauthorized, file a dispute with Equifax, Experian, and TransUnion.
- Add a fraud alert or credit freeze: If you suspect identity theft, these steps can prevent future misuse.
MicroBilt Contact Information
If you need to contact MicroBilt or request a copy of your consumer report, here’s where to reach them:
Main Office Address:
MicroBilt
1640 Airport Rd., Suite 115
Kennesaw, GA 30144
Consumer Affairs Mailing Address:
MicroBilt – Attn: Consumer Affairs Department
P.O. Box 440693
Kennesaw, GA 30160
Phone Numbers:
(800) 884-4747
(888) 222-7621
Or call (800) 884-4747, option #5 for consumer reports
Can You Remove MicroBilt Inquiries From Your Credit Report?
If the inquiry is valid, it must stay on your credit report for the full two years. But if the inquiry was made in error—or you didn’t authorize it—you have the right to dispute it under the Fair Credit Reporting Act (FCRA).
This process can take time and effort, which is why many people turn to professional credit repair companies for help.
Credit Saint is one such company, and they specialize in removing inaccurate hard inquiries and other negative marks like late payments, collections, and charge-offs.
Reclaim Control Over Your Credit
You don’t have to let inaccurate or unwanted items on your credit report hold you back. If MicroBilt or any other inquiry is hurting your credit, Credit Saint may be able to help.
Their 90-day money-back guarantee reflects their confidence in getting results.
Visit their website to take the first step toward stronger credit and better financial opportunities.
Ready to Clean Up Your Credit Report?
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