What does ADVFINSRVINC mean on my credit report?

Is ADVFINSRVINC making an impact on your credit score?

Updated January 1, 2023

What is ADVFINSRVINC?

ADVFINSRVINC is shorthand for Advantage Financial Services LLC, with the company name being Advantage Financial Services LLC

Our high success rate helps business to save time, money and trouble related to chases of delinquent customers. What makes us stand out from other agencies is our highly experienced staff working regularly for you.

ADVFINSRVINC 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 Financial Services LLC.

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

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

How do I contact them?

Here is the current contact details for Advantage Financial Services LLC:

Address:

  • 2710 W Sunrise Rim Rd #150, Boise, ID 83705, United States

Website:

Email:

Phone:

Payments

Advantage Financial Services offers various payment options including online payments, wire transfer, check, money order, and prepaid debit card. They provide a client access portal and consumer access portal. Reasonable payment arrangements and settlement options are available, however, it is unclear if this includes discounts for automatic payments. Advantage Financial Services is located in Boise, Idaho and their phone number is (208) 258-2272.

Question Answer
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? Yes

Forgiveness and Cancellation

Advantage Financial Services does not offer loan consolidation but does offer loan forgiveness under certain conditions. To qualify, creditors and consumers must adhere to a strict code of ethics, providing reasonable payment arrangements and settlements to ensure payment of the debt. Contact Advantage Financial Services for more information.

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

How to Apply

Advantage Financial Services is a professional debt collection agency that helps creditors and consumers turn accounts due into accounts paid. They do not offer loans, but provide debt collection services through their established communication methods (phone, fax, email). Consumers can pay their debts through reasonable payment arrangement and settlement options. Consumers can also access their accounts through the consumer access portal.

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

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 ADVFINSRVINC 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.