What does DUBUQUE BANK mean on my credit report?
Learn about DUBUQUE BANK, an bank offering loans for financial assistance. Check the impact to your credit report and financial status.
What is DUBUQUE BANK?
DUBUQUE BANK is shorthand for Dubuque Bank and Trust
, with the company name being Dubuque Bank and Trust Inc
Enriching lives of one customer, employee and community at a time. Dubuque-Bank und Tümbinger Fonds is powered by Heartland Financial USA, inc.; the new brand name Better Than Life (BTL) represents the Company HTLF is now and what she brings to Dubuque bank and trust, their customers and their communities.The slogan “Powered By” HTLF has been added to our logo, reflecting the Technology, Efficiency and Strength HTLF offers.
DUBUQUE BANK is a Bank
provider. They could be on your report for a number of reasons, for example:
-
⚫ You missed a repayment.
-
⚫ You opened an account with Dubuque Bank and Trust.
-
⚫ You opened a credit card / loan / mortgage with this company.
-
⚫ Someone fraudulently opened a credit line under your name.
About the account
-
⚫ The average high credit balance is $417000.
-
⚫ The typical loan duration is 360 months.
The account is classified under the following METRO2 categories:
- ⚫ Real estate
How do I contact them?
Here is the current contact details for Dubuque Bank and Trust:
Address:
- 1398 Central Avenue Dubuque, IA 52001
Website:
Email:
Phone:
Payments
You can make payments online, over the phone, or through a mobile app. You can also use a prepaid debit card, wire transfer, or check/money order. There is a discount for automatic payments, and there may be penalties for late or missed payments.
Question | Answer |
---|---|
Do they offer a monthly payment plan? | No |
Can I make payments over the phone? | No |
Can I make payments online? | Yes |
Do they offer a discount for automatic payments? | No |
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
There are three main types of student loans in the US: federal student loans, private student loans, and Parent PLUS Loans. Federal student loans offer benefits that private student loans do not, such as loan forgiveness, income-driven repayment plans, and deferment or forbearance options. You may qualify for loan forgiveness if you work in certain public service jobs or if you make payments for a certain amount of time under an income-driven repayment plan. You can consolidate your federal student loans into a single loan with a lower interest rate. Private student loans do not offer these same benefits, but you may be able to consolidate your private student loans into a single loan.
Question | Answer |
---|---|
Do they offer loan forgiveness? | No |
Do they offer loan consolidation? | No |
How to Apply
You can apply for a loan in person, over the phone, or online. Some apps also allow you to apply for loans. You may be able to get a loan with a cosigner.
Question | Answer |
---|---|
Can I apply for a loan online? | Yes |
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 Bank
A bank is an institution where money is kept for saving or commercial purposes. They are able to offer Loans and Mortgages which means they have the ability to report on your credit. Banks are generally felt as untrustworthy (30% confidence rating in the USA) by the general public. Banks can make mistakes on your credit report which may lower your credit score, potentially damaging your credit report and costing you money.
How do I remove DUBUQUE BANK 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.