If you’ve spotted Universal CD CBNA on your credit report, it likely means Citibank ran a credit check after you applied for the AT&T Universal Savings Platinum Credit Card. This shows up as a hard inquiry—and it can slightly impact your credit score.
Let’s break down what this means, how it affects your credit, and what to do if the inquiry wasn’t authorized.
What Universal CD CBNA Means on Your Credit Report
Universal CD CBNA is the label used by Citibank North America when they perform a credit check for the AT&T Universal Savings Platinum Credit Card. If you applied for this card, the hard inquiry shows lenders that your credit report was recently reviewed.
Even if you didn’t get approved, the hard inquiry still appears and stays on your credit report.
How a Universal CD CBNA Inquiry Affects Your Credit Score
A hard inquiry can lower your credit score by a few points. On its own, it’s usually not a big deal. But if you apply for several credit cards or loans in a short time, those points can add up and make you look like a higher risk to lenders.
To avoid unnecessary drops in your credit score:
- Only apply for new credit when it’s truly needed.
- Space out applications instead of submitting several at once.
How Long Universal CD CBNA Stays on Your Credit Report
Hard inquiries stay on your credit report for two years. The good news is that their impact fades quickly—usually after the first few months.
Even though the inquiry will still be visible to lenders, it won’t weigh heavily on your credit score as time passes.
What to Do If You Don’t Recognize the Inquiry
If you didn’t apply for the AT&T Universal card and don’t recognize the Universal CD CBNA entry, it’s worth investigating. Here’s what to do:
- Call Citibank – Ask them to confirm if the inquiry was tied to your name and Social Security number.
- Dispute it with the credit bureaus – If it wasn’t authorized, file a dispute with Equifax, Experian, and TransUnion to have it removed.
- Protect yourself – Consider placing a fraud alert or credit freeze if you suspect identity theft.
How to Remove Universal CD CBNA From Your Credit Report
If the inquiry was added by mistake—or you didn’t approve it—you can request its removal by filing a dispute with each credit bureau. Make sure to explain clearly that the inquiry was unauthorized and provide any evidence you have.
Need Help With Hard Inquiries or Other Negative Marks?
Removing a hard inquiry on your own is possible, but not always simple—especially if you’re dealing with other credit issues too.
Credit Saint can help. They’ve helped thousands of people remove items like:
- late payments
- collections
- charge-offs
- foreclosures
- repossessions
- bankruptcies
- hard inquiries
They even offer a 90-day money-back guarantee, so you have nothing to lose by seeing what they can do.
Ready to clean up your credit report? Visit their website today and take the first step toward a stronger credit profile.
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