How to Remove Microbilt From Your Credit Report

Is Microbilt hurting your credit score?

Lexington Law Firm has successfully assisted millions of clients in removing inaccurate and questionable credit inquiries from their credit reports.

What is Microbilt?

Microbilt is a leading provider of alternative credit data, risk management, and identity verification services. They cater to businesses in various industries, including finance, lending, collections, insurance, and background screening. Their main goal is to provide businesses with accurate and comprehensive data, which enables them to make informed decisions when extending credit or providing services to consumers.

Microbilt’s products and services include consumer and commercial credit reports, background checks, employment screening, and more. They pride themselves on offering alternative credit data, which can help businesses assess the creditworthiness of consumers who may not have a traditional credit history or who have thin credit files.

The Difference Between Hard and Soft Inquiries

Hard Inquiries and Their Impact

Hard inquiries have a relatively small impact on your credit score. They usually only cause a drop of a few points. However, having multiple hard inquiries in a short period can signal to potential lenders that you are seeking credit aggressively, which could make you appear to be a higher risk.

Soft Inquiries and Why They Matter

Soft inquiries, on the other hand, provide a snapshot of your credit history without impacting your credit score. They are not visible to other lenders, so they won’t negatively affect your ability to obtain credit in the future. Soft inquiries can also help you monitor your credit health and stay informed about any potential changes in your credit report.

How long do hard inquiries stay on your credit report?

Regardless of the outcome of your application with Microbilt, the hard inquiry will stay on your credit report for up to 2 years. Every time you initiate an inquiry, it can be documented by one or more of the three primary credit reporting agencies: Equifax, Experian, and TransUnion.

Addressing Unauthorized Inquiries on Your Credit Report

If you don’t recognize the inquiry, or you are sure you didn’t make the inquiry, contact Microbilt and ask them why an inquiry was made. The creditor’s name should be listed under the “Hard Inquiries” section on your consumer credit report.

You can also request a copy of your consumer report from Microbilt by calling them or sending them a letter.

Microbilt Contact Information

Mailing address:

1640 Airport Rd. Suite 115
Kennesaw, GA 30144

Phone number: (800) 884-4747

Can Microbilt inquiries be removed from my credit report?

Credit repair specialists, such as Lexington Law, are experienced in removing inquiries and other negative marks from your credit report. With over 18 years in the industry, they have accomplished more than 6 million removals for clients in 2021 alone.

They can also assist you in disputing (and potentially removing) the following items:

  • late payments
  • collections
  • charge offs
  • foreclosures
  • repossessions
  • bankruptcies

Take Action to Improve Your Credit Score

If you’re dealing with bad credit and want to explore your options, consider a complimentary credit consultation with Lexington Law. They have successfully helped numerous individuals facing similar challenges.

To find out how they can assist you, visit their website and complete the provided form. Don’t let past financial missteps hold you back – seize control of your financial future today!

Ready to Raise Your Credit Score?

Some clients have raised their credit scores
by 100 points* or more.

[*] Results are not typical or guaranteed.