How to Get WFDS Off of Your Credit Report in a Snap

Clean Credit Report How to Get WFDS Off of Your Credit Report in a Snap

Remove Wells Fargo Dealer Services (WFDS) from Your Credit Report Instantly

Your credit score and report are crucial factors when applying for a loan or opening new credit cards. Having a bad credit score or negative items on your report can prevent you from accessing several financial opportunities.

If you have an inquiry on your , you should take urgent measures to remove them. DoNotPay can help clean your report in several ways. We can file a "Goodwill" deletion request asking your creditor to remove the item from your report out of goodwill since you've already paid off the balance. We can also send a credit dispute letter for inaccurate reports, submit a debt validation request or mail a pay to delete negotiation letter on your behalf.

What Is WFDS?

WFDS (Wells Fargo Dealer Services) is a hard inquiry by Wells Fargo. If you are applying for an auto loan from Wells Fargo or repaying one, WFDS will typically show on your credit report. Auto applications can lead to hard inquiries on your credit report, affecting your score slightly.

What Is a Hard Inquiry?

A hard inquiry occurs if you apply for new credit, and the lender or creditor conducts a credit check. The loan can be a credit card, car loan, apartment loan, mortgage, insurance policy, cell phone, and more.

Why Is WFDS on My Credit Report?

WFDS may appear on your credit report for several reasons. The following are the common reasons why WFDS is on your credit report:

  • Wells Fargo Dealer Services conducted a credit check to confirm eligibility for a car loan
  • You currently have or had an auto loan from Wells Fargo Dealer Services
  • You are a cosigner to an auto loan for someone else, including a friend, child, or spouse
  • You are a victim of identity theft

Wells Fargo Contact Details and Information

WebsiteWells Fargo Bank | Financial Services & Online Banking
Mailing AddressCorporate Offices

Wells Fargo

420 Montgomery Street

San Francisco, CA 94104

General Banking1-800-869-355724 hours a day, 7 days a week
Wells Fargo Online1-800-956-444224 hours a day, 7 days a week
LocationATM and Bank Locations - Find Wells Fargo Bank and ATM Locations
Debit FAQsDebit Card Questions – Wells Fargo
Debit Card Alerts Questions – Wells Fargo

How a WFDS Hard Inquiry Affects Your Credit Report

As mentioned earlier, hard inquiries can affect your credit score in various ways. Several hard inquiries in your credit score tell lenders you actively and frequently seek credit. This can be a vital sign your financial standing is not stable.

Hard inquiries typically lower your score by a few points and can stay on your report for two years maximum. However, if you have too many hard inquiries in a short period, they can quickly add up and impact your score substantially.

Disputing Unauthorized WFDS Hard Inquiries

If you don't recognize , or you know for sure you have not made the inquiry, you need to dispute it. Use the following steps to have the inquiry removed from your credit score:

  1. Check the Creditor’s Name. The creditor's name is typically listed under the "Inquiries" section on your credit report.
  2. Contact Wells Fargo and Asks Them Why the Inquiry Was Made. You can contact Wells Fargo by phone at (800) 289-8004 or by writing a letter to:
  • Wells Fargo Auto
  • P.O. Box 168048
  • Irving, TX 75016-8048
  1. You Can Also Submit Your Dispute Letter via Registered Mail. Insist that the lender who checked your credit removes the unauthorized inquiries from your report from all the credit reporting agencies.

How to Check For Hard WFDS on Your Credit File

The most effective way to check for hard pulls on your credit file is by getting a copy of your credit report. It is your right to get a free credit report from the three bureaus each year. Once you get the report, do the following:

  • Go to the credit inquiries section and check the lender.
  • Google the lender's name to confirm it is connected to an inquiry you remember.
  • Look for the lender's phone number and call them to confirm you applied for a loan.
  • If you can remember the credit check, the hard inquiry is legitimate. If you can't remember, it could be an unauthorized hard inquiry, and your need to dispute it.

Clean Your Credit Report With the Help of DoNotPay

The DIY methods to  hard inquiry are tedious and time-consuming. DoNotPay can help you clean your credit report in 3 easy steps:

  1. Search Clean Credit Report on DoNotPay.


  2. Prepare a recent copy of your credit report that you can use as reference.


  3. Let us guide you through the 4 potential options:
    1. If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.


    2. If you notice any errors in your report (we have a list of common errors you can use!), we'll help you file a credit dispute to the creditor or major credit bureaus.


    3. If there are no errors, we'll check if you're still eligible to file a debt validation request. If they can't validate your debt, they're required to remove it from your report and they can't collect it!


    4. Lastly, if none of the above options work, we'll help you file a pay-to-delete negotiation letter. You can customize the amount you are willing to pay in exchange for getting the item removed.


See how easy that is? And there are hundreds of other ways you can use DoNotPay today.

Let DoNotPay Help You Out

Aside from cleaning your credit reports and , DoNotPay can also assist you with other services like:

If a WFDS hard credit inquiry is inaccurate, it could be a sign of identity theft or unauthorized inquiry. Luckily, you have the right to have it removed within 30 days. DoNotPay can help. We will send a dispute letter to the creditor, asking them to remove the WFDS within 30 days. Contact us today to learn more.

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