If you’ve come across a new listing from Clarity Services Inc, you’re probably wondering how it got there.
Finding an inquiry on your credit report can be unsettling, especially if you don’t know the name.
Clarity Services is a third party credit report provider used by lenders to obtain information such as your credit report when they apply for funding.
Hence, when you apply for a loan, credit card, or line of credit, it can appear as a tough query on your credit report.
Below is more information on what Clarity Services does, how hard requests work, and what you can do to dispute an inaccurate request.
Clarity Services Inc on my credit report
Clarity Services Inc is a branch of Experian, a premier credit bureau.
The agency provides companies with extensive data reports that they can use to assess loan utilization and applicants’ financial standing.
They specialize in subprime candidates and help lenders with difficult calls from applicants with bad credit or little to no credit.
To do this, they provide detailed data that includes not only the credit report, but also:
- Car title
- Installment payments
- Collection records
- Lease purchase agreements
- And more
When your credit report is accessed during the loan application process, a hard query is placed on your credit report.
The agency works with vendors and lenders in a variety of industries including:
If you are overwhelmed with handling negative entries on your credit report,
We encourage you to seek help from a professional credit repair company.
Ask Lex Law for help
How does a hard request affect your report?
If a hard query is put on your report, it will stay there for two years and may drop your score by a few points.
This is different from a soft credit check that can occur if you:
- Apply for a new job
- Apply for a house rental
- Get pre-approved for a loan
- Check your results online
Gentle requests have no effect on your balance.
Good news: you shouldn’t have to worry about a tough request or two. They are a basic requirement for access to new credit.
However, you should consider how many applications you are submitting. Too many can be a red flag to potential lenders, and they can add up to hurt your score.
The next time you need a credit card or loan, take some time to determine the minimum credit or income requirements before you apply.
How To Remove Clarity Services Inc from Your Credit Report
If you recently applied for a loan in any of the niches mentioned above, the hard request on your report is likely legitimate which means you will not be able to delete it from your report.
However, if you are still wondering how the request got on your report, here are some steps you need to take.
They will help you remove the hard query from your credit report right away.
While a hard query can do minimal damage to your score, you should always look for unrecognizable entries as these could be a sign of identity theft or reporting problems.
Deny the request
Identity fraud can have lasting, devastating effects on your finances. Hence, it is important to act quickly if you suspect this.
The Fair Credit Reporting Act gives you the opportunity to dispute fraudulent inquiries on your report.
If you file a dispute with the credit reporting agencies, they are required by law to investigate. If they find the request is invalid, remove it from your report.
In addition to contacting the offices, you should contact Quelle Clarity Services as well. You should be able to get details of the reason for your request with details of the lender and the application.
In addition, you should set a fraud alert on your reports and freeze your credit reports.
It should be noted that Clarity’s range of services includes consumer support, and the website actually provides the resources necessary to put a security stop and a fraud warning on your reports.
For future reference, be sure to sign up for free credit monitoring if you haven’t already.
There are a handful of great free and subscription-based platforms out there that can track your score and changes to your report for you, and send you regular notifications on both.
You can also receive personalized offers and tips on how to improve your credit, whether it’s below average or high on the line.
Hire a credit repair company
You don’t want to face the offices and clarity services alone? You do not have to.
As with credit monitoring services, there are numerous credit repair companies that can help with problems like tough inquiries.
They will locate the inaccuracies in your report, contact the appropriate parties and have them removed.
And if tough inquiries are the least of your credit problems, you have even more reason to consider working with one of these companies.
They will help you deal with a wide variety of credit problems, such as:
There are many options, but we’ve narrowed them down to the top ten credit repair companies based on quality, customer experience, and cost.
Clarity Services Inc and your credit report
You shouldn’t fret over a tough request. This is one of the least important items that can be added to your report without affecting your score and short shelf life.
Instead of focusing on queries from the past, focus on making financial decisions that will improve your score now, such as: B. On-time payments and a credit utilization of less than 30%.
Even if you haven’t applied for a loan or service and found a Clarity Services request on your report, you can relax.
There are laws in place to protect you from fraudulent claims, and filing a lawsuit couldn’t be easier.
That being said, there are several excellent credit repair companies that are happy to help if you need any help.