If MONRO-DC/CBNA shows up on your credit report, it usually means Citibank pulled your credit after a Monro credit card application. Here’s what it means, how it affects your credit, and what to do if the inquiry doesn’t belong there.
What MONRO-DC/CBNA Means on Your Credit Report
MONRO-DC/CBNA is the reporting code for a hard inquiry made by Citibank North America when reviewing an application for a Monro Auto Service and Tire Centers credit card. Monro partners with Citibank to offer credit cards for customers needing financing for automotive services and products.
Even if the application was denied, the credit check still creates a record on your report.
Why MONRO-DC/CBNA Appears After a Credit Application
When you apply for a Monro credit card, Citibank pulls your credit file to evaluate your application. This results in a hard inquiry that shows up under the code MONRO-DC/CBNA.
Hard inquiries are part of most credit approval processes and can show other lenders that you’ve recently applied for new credit.
How MONRO-DC/CBNA Inquiries Affect Your Credit Score
A hard inquiry from MONRO-DC/CBNA can lower your credit score by a few points. While the impact is generally small, multiple inquiries in a short time can add up and signal risk to lenders.
If you’re preparing for a major financial decision—such as applying for a mortgage or auto loan—it’s a good idea to limit how often you apply for new credit.
How Long MONRO-DC/CBNA Stays on Your Credit Report
A hard inquiry from MONRO-DC/CBNA remains on your credit report for up to two years. The three major credit bureaus—Equifax, Experian, and TransUnion—record it. Although the impact fades after about 12 months, the entry itself stays visible to lenders until it is automatically removed after 24 months.
Regularly reviewing your credit report can help you track these entries and keep your profile accurate.
What to Do if the MONRO-DC/CBNA Inquiry Wasn’t Authorized
If you don’t recognize the inquiry, take action to verify it. An unauthorized inquiry could be a sign of fraud or a clerical error. Here’s how to respond:
- Contact Citibank to request more information about the inquiry
- Dispute the entry with the credit bureaus if it was not authorized
- Consider placing a fraud alert or credit freeze on your credit if you suspect identity theft
Can You Remove MONRO-DC/CBNA From Your Credit Report?
If the inquiry was legitimate, it will remain on your report for two years. But if it was made in error or without your permission, you have the right to dispute it and request its removal.
Credit repair companies like Credit Saint can assist with this process. They help consumers challenge inaccurate or unauthorized credit report entries, including:
- Hard inquiries
- Late payments
- Collections
- Charge-offs
- Foreclosures
- Repossessions
- Bankruptcies
Improve Your Credit With Professional Help
If you’re dealing with credit issues like hard inquiries or other negative items, expert support can make a difference. Credit Saint offers free consultations to help you understand what’s affecting your credit and how to address it.
They even offer a 90-day money-back guarantee, giving you peace of mind as you work to improve your credit. Visit their website to learn how they can help you move forward.
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