What does LENTEGRITY LLC mean on my credit report?
Learn about LENTEGRITY LLC, an automotive trader offering loans for financial assistance. Check the impact to your credit report and financial status.
What is LENTEGRITY LLC?
LENTEGRITY LLC is shorthand for Lentegrity Auto Finance, with the company name being Lentegrity Auto Finance Inc
Today, customers have demands for greater disclosure of financial information by companies-transparency and accountability are becoming expectations. This is what we’ve tried to bring to you: to provide transparency and integrity to your borrowing experience.
LENTEGRITY LLC is a Automotive Trader provider. They could be on your report for a number of reasons, for example:
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⚫ You missed a repayment.
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⚫ You opened an account with Lentegrity Auto Finance.
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⚫ You opened a credit card / loan / mortgage with this company.
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⚫ Someone fraudulently opened a credit line under your name.
About the account
The account is classified under the following METRO2 categories:
- ⚫ Auto Loan
How do I contact them?
Here is the current contact details for Lentegrity Auto Finance:
Address:
- 27472 Portola Pkwy #205-345, Foothill Ranch, CA 92610-2815
Website:
Email:
Phone:
Payments
Lentegrity is a financial services company that offers payment management services, including the option to make payments over the phone, online, or through a mobile app. Customers can also make payments using a check, money order, or prepaid debit card. There are penalties for late or missed payments, which may include additional fees and interest charges.
| Question | Answer |
|---|---|
| Do they offer a monthly payment plan? | Yes |
| Can I make payments over the phone? | Yes |
| Can I make payments online? | Yes |
| Do they offer a discount for automatic payments? | Yes |
| Can I make a payment using a mobile app? | Yes |
| Can I make a payment using a prepaid debit card? | Yes |
| Can I make a payment using a wire transfer? | Yes |
Forgiveness and Cancellation
Lentegrity does not offer loan forgiveness or consolidation. However, auto loans are available through one of Lentegrity’s affiliated dealerships. Customers can manage their accounts and make payments through the Payment Center, view monthly statements, and contact Lentegrity at (833) 688-0694 if they experience any difficulty accessing the website.
| Question | Answer |
|---|---|
| Do they offer loan forgiveness? | No |
| Do they offer loan consolidation? | No |
How to Apply
auto loans are only available through one of Lentegrity’s affiliated dealerships. Lentegrity provides a mobile app to help manage your auto loan and payment center and view your monthly statement. Lentegrity provides auto loans through affiliated dealerships and customers can apply with a cosigner.
| Question | Answer |
|---|---|
| Can I apply for a loan online? | No |
| Can I apply for a loan over a phone call? | No |
| Can I apply for a loan in person? | No |
| Can I apply for a loan using a mobile app? | Yes |
| Can I apply for a loan with a cosigner? | Yes |
IdentityIQ Report Example
- This is an example of what this creditor will look like on your IdentityIQ report.
Will this affect my credit score?
Whether this account affects your credit score depends on a variety of factors, such as:
- Account Open Date: If you opened this account recently it will impact your credit, the only way to prevent this from impacting your credit score is to remove the account from your report.
- Derogatory Markings: If this account has any derogatory markings such as:
Lates, Charge Offs, Collections and others.
However, there are could be some potential positive aspects to this account which could lead to improving your credit score, such as:
- Account Age: If your account is quite old, then the age of it will positively impact your credit score
- Repayment History: If the account has no
Late Payments, Charge off Payments, then it may reflect a positive impact onto your credit score.
Can it be removed from my credit report?
Yes, with the right strategy, you will be able to remove any account from your report. But you have to be careful to ensure that the account is negative to begin with, or it will negatively impact your credit score.
However, removing a negative account will positively impact your credit score, allowing you to open new credit lines and potentially removing bad debt.
What is a Automotive Trader
A Automotive Trader is any company that buys or sells vehicles. They will report on your credit report if you bought a car on credit or took out a loan during the purchase of your car. The repayment date is normally around three years, and the interest rate is typically between 3-13%. If you fail to make payments they may hire a collections agency which will try to either:
- Collect the (alleged) missed payments
- Try to reposess the vehicle
Either option is not ideal for you life as it may cause undue distress, expecially if the debt has not been reported correctly or there has been a mistake in the reporting process. The best way to protect yourself from automotive debt collectors is to challenge then repair any potential errors on their reporting.
How do I remove LENTEGRITY LLC from my credit report?
You can send a dispute letter to the credit bureaus to remove this account from your report. You must send a dispute letter to all three credit bureaus, as they are legally required to remove the account from your report if it is found to be inaccurate. For best results you should send a dispute letter to the credit bureaus via certified mail, this will ensure that you have a legal record of the communication.