What does COLL DIV/SAN BERN CNTY mean on my credit report?
Learn about COLL DIV/SAN BERN CNTY, an collections agency offering loans for financial assistance. Check the impact to your credit report and financial status.
What is COLL DIV/SAN BERN CNTY?
COLL DIV/SAN BERN CNTY is shorthand for San Bernardino County Central Collections, with the company name being San Bernardino County Central Collections Inc
COLL DIV/SAN BERN CNTY is a Collections Agency provider. They could be on your report for a number of reasons, for example:
- ⚫ You missed a repayment.
- ⚫ You opened an account with San Bernardino County Central Collections.
- ⚫ San Bernardino County Central Collections bought your debt and are now trying to collect on it.
- ⚫ You opened a credit card / loan / mortgage with this company.
- ⚫ Someone fraudulently opened a credit line under your name.
About the account
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⚫ The average account balance is $300.
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⚫ The average high credit balance is $400.
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⚫ The typical loan duration is 2 months.
The account is classified under the following METRO2 categories:
- ⚫ Collection Agency/Attorney
How do I contact them?
Here is the current contact details for San Bernardino County Central Collections:
Address:
- 268 West Hospitality Lane, Second Floor San Bernardino, CA 92415-0465
Website:
Email:
Phone:
Payments
you can make a payment securely online using MasterCard, VISA, American Express, Discover Card, debit cards and electronic checks with a United States checking or savings account. You can also contact (909) 387-8303 for staff assistance or visit the Revenue Recovery Division located at 268 West Hospitality Lane, Second Floor, San Bernardino, CA 92415-0465 from Monday to Friday 8:00AM to 5:00PM.they do not offer a monthly payment plan. However, they do offer a discount for automatic payments.we accept MasterCard, VISA, American Express, Discover Card, debit cards, and electronic checks using a United States checking or savings account. You can also make a payment using a prepaid debit card.There are penalties for late or missed payments. This website only accepts MasterCard, VISA, American Express, Discover Card, debit cards and electronic checks using a United States checking or savings account.
| Question | Answer |
|---|---|
| Do they offer a monthly payment plan? | No |
| Can I make payments over the phone? | Yes |
| Can I make payments online? | 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? | No |
Forgiveness and Cancellation
Loan consolidation and loan forgiveness are two options that students have when it comes to paying off their student loans. Loan consolidation entails combining all of your existing student loans into a new loan with a lower interest rate. Loan forgiveness forgives the remaining balance of your loan if you have made all of your payments on time for a certain period of time.
| Question | Answer |
|---|---|
| Do they offer loan forgiveness? | No |
| Do they offer loan consolidation? | No |
How to Apply
You can apply for a loan online, over the phone, or in person. Some lenders also have mobile apps that you can use to apply for a loan. You may be able to get a loan 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? | No |
| Can I apply for a loan with a cosigner? | No |
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 Collections Agency?
Collection agencies appear on your report when a company has failed to collect an outstanding debt. If a creditor has sent your debt to collections, they expect to receive only a portion of any money collected. For them, this is preferable to receiving nothing at all continuing the process of trying to collect your debt themselves. However due to the agressive nature of some collection agencys, you may feel threatened or harrassed by them. However, the good news is that if they inaccurately reported your debt and you take the correct credit repair action, there is a good chance that you will not have to repay and inaccurately reported debt.
How do I remove COLL DIV/SAN BERN CNTY 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.