How to Remove VISDSNB From Your Credit Report

Is VISDSNB 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 VISDSNB?

VISDSNB is a code that you may encounter on your credit report, representing Visa Department Store National Bank. This code often appears as a hard inquiry when you apply for a department store credit card issued by Visa, such as a Macy’s credit card.

To better understand the implications of VISDSNB, let’s delve into what hard inquiries are and how they impact your credit score.

The Impact of Hard Inquiries on Your Credit Score

Hard inquiries occur when a financial institution, such as a credit card issuer or a lender, checks your credit as part of their decision-making process. These inquiries typically cause your credit score to drop by a few points.

While the impact may seem minimal, an accumulation of hard inquiries in a short period of time can significantly damage your credit score. This is because multiple inquiries can indicate a higher level of risk, as it may appear that you are seeking multiple new lines of credit.

How long do hard inquiries stay on your credit report?

Hard inquiries stay on your credit report for up to two years. Each time you apply for credit or initiate a hard inquiry, one or all three of the major credit reporting agencies — Equifax, Experian, and TransUnion — record the inquiry.

The good news is that the impact of hard inquiries on your credit score lessens over time, and after two years, they are removed from your credit report entirely.

Removing VISDSNB from Your Credit Report

If you wish to remove VISDSNB from your credit report, there are several strategies you can pursue. The first option is to dispute the hard inquiry directly with the credit reporting agency. This process requires drafting a dispute letter, explaining why you believe the inquiry is inaccurate and requesting its removal from your report.

However, disputing an inquiry can be a time-consuming and potentially frustrating process, with no guarantee of success even if you have a strong case. In such situations, credit repair companies like Lexington Law can be a valuable resource.

Working with a Credit Repair Company

Lexington Law has over 18 years of experience in the credit repair industry, specializing in helping individuals remove negative marks from their credit reports. In fact, in 2021 alone, their clients saw over 6 million removals from their reports thanks to the work of the Lexington Law team.

In addition to helping with hard inquiries, Lexington Law can assist you in disputing and potentially removing the following items from your credit report:

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

Take Control of Your Credit Today

If you’re struggling with poor credit and need assistance, consider a free credit consultation with Lexington Law. Their team has helped many people in similar situations, and they can provide guidance on the best course of action for improving your credit.

To learn more, simply fill out the form on their website and discover how they can help you achieve better credit.

Ready to Raise Your Credit Score?

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

[*] Results are not typical or guaranteed.