If you’ve seen “WF PLL” on your credit report and aren’t sure what it means, you’re not alone. This entry is tied to Wells Fargo and usually shows up after applying for one of their credit products. Here’s what it means, how it affects your score, and what you can do if you didn’t authorize the inquiry.
What Is WF PLL?
WF PLL stands for Wells Fargo Personal Lines and Loans. If it shows up on your credit report, it typically means Wells Fargo pulled your credit as part of an application for a personal loan or line of credit.
This entry appears as a hard inquiry, which lenders use to assess your credit history before making an approval decision.
Why WF PLL Appears on Your Credit Report
If you applied for any of the following through Wells Fargo, you’ll likely see WF PLL listed:
- A personal loan
- A personal line of credit
- A loan prequalification that resulted in a hard pull
Even if you didn’t complete the process or were denied, the credit check can still appear on your report.
How a WF PLL Inquiry Affects Your Credit Score
Hard inquiries generally lower your credit score by a few points. One inquiry has a small effect, but several inquiries in a short timeframe can make a bigger dent and may signal to lenders that you’re trying to take on too much new credit.
To protect your credit, it’s important to monitor who pulls your report and how often.
How Long WF PLL Inquiries Stay on Your Credit Report
Hard inquiries like WF PLL can stay on your credit report for up to two years. However, they only affect your credit score for about 12 months.
If the inquiry was unauthorized or incorrect, you don’t have to wait for it to fall off—you can take action to remove it.
What to Do If You Don’t Recognize the WF PLL Inquiry
If you don’t recall applying for a Wells Fargo product, take these steps:
- Contact Wells Fargo to ask for details about the inquiry and whether it was linked to a valid application.
- Check your full credit report for other suspicious activity.
- File a dispute with the credit bureaus (Equifax, Experian, and TransUnion) if the inquiry was made without your authorization.
- Consider a fraud alert or credit freeze if you believe your identity may have been compromised.
Can You Remove WF PLL From Your Credit Report?
Yes—if the inquiry is incorrect or unauthorized, you have the right to dispute it. You can contact the credit bureaus directly or work with a professional credit repair service.
Credit Saint helps clients challenge inaccurate entries, including:
- Hard inquiries
- Late payments
- Collections
- Charge-offs
- Repossessions
- Foreclosures
- Bankruptcies
Want Help Cleaning Up Your Credit Report?
If hard inquiries or other negative marks are hurting your credit, Credit Saint can help you take action. Their experienced team has helped thousands of people remove inaccurate items and move toward stronger credit.
They even offer a 90-day money-back guarantee to give you added peace of mind.
Visit their website today to learn how they can help you get back on track.
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