What does ADV/CDWRKS mean on my credit report?

Is ADV/CDWRKS making an impact credit score?

Updated May 1, 2022

What is ADV/CDWRKS?

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. 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.:

Address:

  • 32065 Castle Court Evergreen, CO 8043

Website:

Email:

Phone:

  • 303-670-7993

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 ADV/CDWRKS 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.