What is Badcock?
Badcock Home Furniture is a well-known furniture retailer with over 320 stores across eight southeastern states in the United States. When you apply for financing or a Badcock credit card at one of their stores, it may result in a hard inquiry on your credit report. This is because they check your credit history as part of their decision-making process.
Does Badcock report to credit bureaus?
When you apply for a Badcock credit account, the application process may result in a credit inquiry being reported to the three major credit bureaus—Equifax, Experian, and TransUnion—regardless of whether your application is approved or not.
How Hard Inquiries from Badcock Impact Your Credit Score
A hard inquiry, such as one from Badcock, happens when a lender or creditor checks your credit as part of their decision-making process for new credit. While a single hard inquiry may only cause a slight drop in your credit score, having too many hard inquiries in a short period can significantly affect your credit score. This is important to keep in mind if you are planning to apply for additional lines of credit shortly after applying with Badcock.
How long do Badcock hard inquiries stay on your credit report?
Regardless of the outcome of your Badcock credit card application, the hard inquiry will remain on your credit report for up to two years. Each time an inquiry is made, it is recorded by one or all of the three major credit reporting agencies: Equifax, Experian, and TransUnion. The impact of the inquiry on your credit score lessens over time but remains visible to potential lenders during that period.
Dealing with Unauthorized Inquiries from Badcock
It’s crucial to regularly review your credit report for unauthorized inquiries or inaccuracies. If you notice an unfamiliar inquiry from Badcock or believe it was made without your permission, contact Badcock to inquire about the issue. The creditor’s name should be listed under the hard inquiry section on your credit report, allowing you to address it directly with Badcock.
Badcock Contact Information
Address:
W.S. Badcock Corporation
Attn: Customer Service
P.O. Box 497
Mulberry, FL 33860
Phone number: (800) (223-2625)
Removing Badcock Inquiries from Your Credit Report
If an inquiry or other negative mark on your credit report from Badcock is inaccurate or unauthorized, consider seeking professional help from credit repair companies like Credit Saint.
They can help you dispute and potentially remove inaccurate negative items from your credit reports, including inquiries, late payments, collections, charge-offs, foreclosures, repossessions, and bankruptcies.
Taking Control of Your Credit Today
Proactively managing your credit and ensuring the accuracy of your credit report are essential steps toward financial stability. If you’re struggling with bad credit and want to learn more about your options, consider a free credit consultation with Credit Saint.
Visit their website and fill out the form to find out how they can help you improve your credit and secure a better financial future.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
