What does ADV/CDWRKS mean on my credit report?

Learn about ADV/CDWRKS, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.

Updated January 1, 2023
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ADV/CDWRKS is shorthand for Advantage Credit Inc, with the company name being Advantage Credit Inc.

We take protection of your data and privacy very seriously. Seq., title 15, of the US-Code. According to this legal exception, Advantage Credit, Inc. is exempted from the provisions of the CCPA. The California Consumer Privacy Act (CCPA) was passed on 28 June 2018 and entered into force on 1 January 2020. Therefore, we do not supply consumer reports for transactions which are not started by the customer.

ADV/CDWRKS is a Creditor provider. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with Advantage Credit Inc.

  • ⚫ You opened a credit card / loan / mortgage with this company.

  • ⚫ Someone fraudulently opened a credit line under your name.

About the account

The account is classified under the following METRO2 categories:

  • ⚫ Collection Agency/Attorney

How do I contact them?

Here is the current contact details for Advantage Credit Inc:


  • 32065 Castle Court Evergreen, CO 8043





To make a payment, customers can contact Advantage Credit during their business hours. Payments can also be made online or through a mobile app. There may be penalties for late or missed payments. Additional payment options include wire transfer, check, and money order.

Question Answer
Can I make payments over the phone? Yes
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

they do not offer loan forgiveness or consolidation. To qualify for loan forgiveness, one must typically meet certain criteria, such as having a certain type of loan, having made payments for a certain length of time, and demonstrating financial need. In certain cases, borrowers may be eligible for public service loan forgiveness, which may allow them to have their loans forgiven after making 120 qualifying payments while working full-time for an eligible employer.

Question Answer
Do they offer loan forgiveness? No
Do they offer loan consolidation? No

How to Apply

Advantage Credit offers loans that can be applied for online, over the phone, or in person. There is also a mobile app that can be used to apply for loans. If you are looking to apply for a loan with a cosigner, Advantage Credit has a verification process in place and may require additional documentation.

Question Answer
Can I apply for a loan online? Yes
Can I apply for a loan over a phone call? Yes
Can I apply for a loan in person? Yes
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.

ADV/CDWRKS 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.

How do I remove ADV/CDWRKS 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.