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How to Remove CBCInnovis From Your Credit Report

George Simons | January 28, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: To remove CBCInnovis from your credit report, dispute any inaccuracies with credit bureaus. Validate questionable inquiries, and request removal for unauthorized entries.

Have you applied for a loan or line of credit in the recent past? If so, you may see CBCInnovis on your credit report. They are a credit reporting agency that helps banks, lenders, and other financial institutions vet applicants.

When you apply for a mortgage or loan, CBCInnovis gains access to your credit report, gathers crucial information, and gives the data to the lender you approached. CBCInnovis recently merged with Factual Data, and you may see the entry on your credit report as either CBCInnovis or Factual Data. Other services they offer include:

  • Identity verification
  • Fraud prevention
  • ID authentication
  • Skip tracing data

Having several entries by CBCInnovis on your credit report can harm your credit score. You should also confirm that the entries genuinely came from a recent activity from you and not a case of identity theft. To assist you with the process, we'll inform you of your consumer rights, how a CBCInnovis entry affects your credit score, and how to remove and improve it.

How do I know when a debt collector violates my consumer rights?

The Fair Credit Reporting Act is the federal law that governs how CBCInnovis collects and reports information about consumers. The law covers how a consumer's sensitive credit information is acquired, the period it is kept, and how it is shared. The Consumer Financial Protection Bureau and the Fair Trade Commission oversee and enforce these laws. According to FCRA laws, you have a right to:

  • Receive one free credit report annually
  • Be informed when your credit information is used against you
  • Verify the information that the CBCInnovis reported is accurate
  • Dispute with CBCInnovis on an entry that is incomplete or inaccurate
  • Have outdated negative information removed from your report
  • Sue for damages when CBCInnovis violates the law

Report to FTC, CFPB, or your attorney general's office if CBCInnovis violates any laws. You can also sue them if you have overwhelming evidence that CBCInnovis violated the law. The penalty for each violation carries a fine of between $100 to $1000 and any attorney's fees you might incur.

How does an inquiry from CBCInnovis affect my credit score?

Several CBCInnovis or Factual Data inquiries negatively affect your credit score, causing lenders to question your ability to pay a new loan. These financial institutions will assess your level of financial responsibility from the inquiries made. There are two types of credit inquiry: hard inquiry and soft inquiry. Let us discuss each in detail.

Hard inquiries decrease your credit score

Hard inquiry or hard pulls occurs when you request significant financial assistance or a new line of credit. For example, if you apply for a new credit card, the card company will request CBCInnovis to pull your credit file, and you will see a hard inquiry by CBCInnovis on your credit report instead of the card company.

These inquiries should not take you by surprise because companies should request permission to perform a hard inquiry. Common hard inquiries include:

  • Mortgage application
  • Car loan or other loan application
  • Phone or utility application
  • Credit card applications
  • Rental application

According to Fair Isaac Corporation (FICO), a hard inquiry can lower your credit score by 5–10 points. Several inquiries for different lines of credit cumulatively lower your score further. If you are rate shopping for a mortgage, student loan, or auto loan, FICO recommends you perform rate-shopping within a 14–30 day period so that it is recorded as a single inquiry.

Hard Inquiries remain on your credit report for 1 to 2 years, depending on the credit company. But it lowers your credit score in the first 12 months only.

Soft inquiries don't affect your score

Soft inquiries or soft pulls occur when companies view your credit file as a background check and pre-approval for a credit offer. Most soft inquiries occur without your permission, although some companies may inform you. Examples of soft inquiries include:

  • Insurance quotes
  • Employer credit checks
  • Preapproved credit card and loans offers
  • Credit limit increases
  • Credit monitoring services

Soft inquiries do not affect your credit score as they are not indicative of a serious financial commitment.

How can I eliminate CBCInnovis from my credit report?

Removing a genuine hard inquiry you consented to may be impossible. Hard inquiries are a legal and mandatory process for any significant credit application. You can successfully request for a CBCInnovis hard inquiry removal from your credit report if you:

  • Have not applied for a new line of credit or loan
  • Did not consent to a hard inquiry
  • Suspect you are a victim of identity theft

Begin the process by requesting your credit report from the three credit bureaus. Thoroughly review each report and highlight the questionable hard inquiries you want to dispute. Next, send, upload, or email a dispute letter with the highlighted pages to TransUnion, Equifax, and Experian.

Once the credit bureaus receive your dispute letter, they will investigate and remove the inquiry within 30 days if the evidence supports your claims. To support your case further, you can contact CBCInnovis to get more information about the hard inquiry and attach it to the dispute letter.

How can I improve my credit score after CBCInnovis' hard inquiry?

As stated earlier, CBCInnovis' hard inquiry negatively affects your credit score, reducing your chances of getting financial assistance in the future. To prevent your score from plummeting further, you can take the following steps to stabilize and improve your score:

  • Take time before applying for a new loan: Wait for at least six months before making a new application. At the same time, check if the old inquiries have dropped.
  • Validate pending debt and pay off: Send a Debt Validation Letter to confirm the debt on your credit report is rightfully yours. After the creditor verifies the debt, request a pay-for-delete agreement. The creditor will remove the debt from your credit report once you pay.
  • Make credit line payments on time and do not allow delayed payments to go beyond 30 days, or they will be included on your credit report.
  • Avoid new credit cards and keep old credit card accounts: New credit cards inquiry lowers your score further. Closing old accounts usually raise red flags from lenders.

Consider negotiating a debt settlement

With the assistance of SoloSettle, you can take proactive steps to try and negotiate a settlement with the debt collector where you wind up only paying a portion of the amount owed.

Debt collectors, including those retained by or affiliated with CBCInnovis, may be amenable to negotiating a settlement for an amount less than what you owe when you engage in proactive and productive communication with them.

Here are some recommended steps to try and settle your debt:

  1. If you are sued by a debt collector, make sure to file an Answer to the debt collection lawsuit. This is important because ignoring the debt collection lawsuit can lead to a default judgment, which can impair your ability to engage in productive settlement negotiations.
  2. Calculate how much you can afford to pay toward the amount owed by using the following settlement formula: Amount available to settle = (monthly income – monthly costs) + savings)
  3. Contact the debt collector to engage in settlement talks.
  4. Convey your reasonable settlement either via a phone call or through a debt settlement letter. Make sure your opening offer is less than the maximum amount you can pay.
  5. Be prepared to go through multiple rounds of negotiating with the debt collector.
  6. If you are able to reach a debt settlement agreement, make sure to get the terms in writing. Once the terms are in writing, sign the agreement and make the agreed-upon payment.

To learn more about these tips and others that may assist you on your journey to settle your debt, watch the following interview with a consumer rights attorney, John Skiba, where he shares the best tips for negotiating debt settlement with collectors:

What if I've been sued for debt?

If you’ve been sued for debt, don’t ignore it. File a written Answer in the case before your state’s deadline to block a default judgment. Without the threat of a default judgment hanging over your head, you’ll be in a better position to negotiate with creditors and debt collectors to settle your debt (often for less than the original amount owed) and avoid going to court altogether.

Filing an Answer is only the first step to resolving a debt lawsuit. Be sure to attend scheduled hearings and trials and show up for your court date. Alternatively, use tools like SoloSettle to negotiate and settle beforehand.

Settle with SoloSettle

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