What is DSNB Bloom on your credit report?
DSNB Bloom refers to Department Stores National Bank/Bloomingdale’s. If you’ve applied for a Bloomingdale’s credit card, this code may appear on your credit report as a hard inquiry. This inquiry is part of the process lenders use to determine whether you qualify for the credit card.
Why DSNB Bloom May Appear on Your Credit Report
When you apply for a Bloomingdale’s credit card, the issuing bank, DSNB, conducts a hard inquiry to assess your creditworthiness. This hard inquiry shows up on your credit report and may cause a slight drop in your credit score.
How Long DSNB Bloom Inquiries Stay on Your Credit Report
Hard inquiries from DSNB Bloom can remain on your credit report for up to two years, regardless of whether your application for the Bloomingdale’s card was approved or denied. These inquiries are reported by one or more of the major credit bureaus: Equifax, Experian, and TransUnion. While the inquiry stays for two years, its impact on your credit score lessens over time.
Addressing Unauthorized DSNB Bloom Inquiries
If you find a DSNB Bloom inquiry on your credit report that you don’t recognize or didn’t authorize, it’s important to act quickly. Contact Department Stores National Bank to inquire about the reason for the inquiry and ensure there’s no fraud or error on your report.
DSNB Bloom Contact Information
Address:
Department Stores National Bank
PO Box 8218
Mason, OH 45040-8218
Phone number: (888) 257-6762
Removing DSNB Bloom Inquiries From Your Credit Report
If you believe that the DSNB Bloom inquiry on your credit report is unauthorized or incorrect, you can also dispute it with the credit bureaus. For assistance with this process, credit repair companies like Credit Saint can help. They specialize in disputing and removing hard inquiries, along with other negative marks such as late payments, collections, charge-offs, foreclosures, repossessions, and bankruptcies.
Take Control of Your Credit
If hard inquiries or other negative marks are affecting your credit score, consider reaching out to Credit Saint for a free consultation. They have a proven track record of helping individuals repair their credit and achieve financial stability.
Visit their website and fill out the form to begin your journey toward better credit.
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