What is CBNA on your credit report?
CBNA stands for Citibank North America, one of the largest credit card issuers in the U.S. With around 200 million customers, Citibank issues a wide variety of credit cards, which may cause CBNA to appear as a hard inquiry on your credit report if you’ve recently applied for one.
Why CBNA Appears on Your Credit Report
When you apply for a Citibank credit card, the bank runs a credit check, leading to a hard inquiry labeled as CBNA on your credit report. Citibank is known for offering some of the most popular credit cards, including:
- Citi Diamond Preferred
- Citi Double Cash
- Citi Premier
- Citi Prestige
- Citi Rewards Card
- Citi Simplicity
They also have co-branded cards with brands such as:
- American Airlines
- AT&T
- Best Buy
- Costco
- Expedia
- The Home Depot
Citibank (CBNA) Hard Inquiries
You may come across different CBNA-related codes on your credit report, depending on the specific card or service you applied for. Some of the common inquiry codes include:
- BBY/CBNA
- BRKSB/CBNA
- CBNA Best Buy
- CBNA Home Depot
- CBNA Sioux Falls
- MONRO-DC/CBNA
- NTB/CBNA
- Sears/CBNA
- STPC/CBNA
- SYW MC/CBNA
- THD/CBNA
- Universal CD CBNA
These codes represent different Citibank products and services. If you applied for any of these cards or loans, a CBNA inquiry might appear on your report.
What else does CBNA stand for?
The CBNA acronym is most commonly used by Citibank North America, but other institutions also use it.
- Community Bank, N.A.: CBNA also stands for Community Bank, N.A. This is a community bank with locations in New York, Pennsylvania, Massachusetts, and Vermont
- Credit Bureau of North America: CBNA is also an acronym for Credit Bureau of North America, which is a debt collection agency.
- Comenity Bank: In some cases, CBNA may stand for Comenity Bank, which is a credit card company that specializes in store credit cards.
How long does a CBNA inquiry stay on your credit report?
A CBNA hard inquiry can remain on your credit report for up to two years. While a single inquiry may only cause a minor drop in your score, multiple inquiries in a short period can have a more significant impact. Each inquiry is recorded by the three major credit bureaus: Equifax, Experian, and TransUnion.
Addressing Unauthorized CBNA Inquiries
If you see a CBNA inquiry on your report, and you didn’t apply for a Citibank product, it’s important to take action. Contact Citibank to verify the reason for the inquiry. If the inquiry was made in error, you can dispute it with the credit bureaus to have it removed.
Removing CBNA Inquiries from Your Credit Report
If you believe the CBNA inquiry on your credit report is unauthorized or inaccurate, you can dispute it directly with the credit bureaus. For further assistance, credit repair companies like Credit Saint can help. They specialize in removing unauthorized hard inquiries and other negative items from your credit report, including late payments, collections, charge-offs, foreclosures, repossessions, and bankruptcies.
Take the First Step Towards Improving Your Credit
If hard inquiries or other negative items are hurting your credit, consider contacting Credit Saint for a free consultation. They can help you identify areas for improvement and guide you through the process of disputing errors on your credit report.
Visit their website to fill out the form and start working toward a better credit score and financial future.
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