How to Remove MicroBilt From Your Credit Report

MicroBilt is a name most people have never heard of, which makes it all the more confusing when it shows up on a credit report. Unlike Equifax, Experian, and TransUnion, MicroBilt operates in the alternative credit data space, collecting and supplying information to lenders who serve borrowers outside the traditional banking system.

If you’ve applied for a payday loan, rent-to-own financing, or a personal loan through a smaller or nontraditional lender, MicroBilt may have been the company that ran the credit check.

Here’s what the entry means, how it affects your credit score, and what to do if you don’t recognize it.

What Is MicroBilt on Your Credit Report?

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 credit insights for borrowers who may not have extensive histories with the three major credit bureaus, pulling data from a wide range of sources including banks, credit unions, payday lenders, subprime credit providers, credit card companies, and public records.

Lenders use MicroBilt reports to evaluate applicants and make decisions about approval and terms, particularly in markets where traditional credit bureau data may be limited or unavailable.

Why MicroBilt Appears on Your Credit Report

MicroBilt shows up on your credit report when a lender or service provider uses their data to run a credit check during an application. Because MicroBilt primarily serves nontraditional lenders, the inquiry usually traces back to one of these situations:

• Payday loan application: Short-term, high-interest lenders frequently use alternative credit reporting agencies like MicroBilt to screen applicants.
• Auto financing from smaller dealerships: Independent dealerships that specialize in subprime auto loans sometimes use MicroBilt rather than the major credit bureaus.
• Rent-to-own financing: Rent-to-own retailers often rely on alternative credit data to evaluate customers who may not qualify through conventional channels.
• Personal loans from alternative lenders: Online and storefront lenders outside the traditional banking system frequently use MicroBilt to assess credit risk.

How MicroBilt Inquiries Affect Your Credit Score

A hard inquiry from MicroBilt causes a small dip in your credit score, typically just a few points. The impact is temporary and fades within a few months, becoming negligible well before the entry drops off your credit report. One inquiry is not a serious concern, but multiple hard inquiries in a short window can signal to lenders that you’re actively seeking credit, which can make approvals harder to secure.

How Long MicroBilt Stays on Your Credit Report

Hard inquiries from MicroBilt remain on your credit report for two years from the date they were pulled. All three major credit bureaus, Equifax, Experian, and TransUnion, record the entry and display it to lenders during that period. Once the two years are up, it drops off automatically with no action required.

What to Do If You Don’t Recognize the MicroBilt Entry

Because MicroBilt serves nontraditional lenders that many borrowers don’t interact with directly, the inquiry can feel disconnected from anything you remember doing. If you can’t account for it, here’s how to handle it:

• Contact MicroBilt directly: Ask them to identify which lender requested the inquiry and when it was made. You can also request a copy of your MicroBilt consumer report to see what data they have on file.
• Dispute with the credit bureaus: If MicroBilt 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.
• Place a fraud alert or credit freeze: If you suspect someone used your personal information to apply for credit, a fraud alert requires lenders to verify your identity before approving new applications. A credit freeze provides stronger protection by blocking new credit entirely until you lift it.

MicroBilt Contact Information

If you need to reach MicroBilt to ask about an inquiry or request your consumer report, here is their contact information:

Phone: (800) 884-4747

Main Office: 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

Bottom Line

MicroBilt on your credit report is an alternative credit reporting agency that pulled your data on behalf of a nontraditional lender. The entry most often traces back to a payday loan, rent-to-own financing, or a personal loan from a smaller lender, even if you don’t immediately make the connection.

If you recognize what triggered it, let it age off your credit report naturally. If you don’t, contact MicroBilt to find out which lender hired them, and dispute the entry with the credit bureaus if you can’t verify it was authorized. Every unfamiliar inquiry on your credit report deserves a clear explanation, regardless of which reporting agency is behind it.