What does AMERIFIRS IMPR FIN/LOA mean on my credit report?
Learn about AMERIFIRS IMPR FIN/LOA, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is AMERIFIRS IMPR FIN/LOA?
AMERIFIRS IMPR FIN/LOA is shorthand for AmeriFirst Financial Inc, with the company name being AmeriFirst Financial, Inc.
We are proud to lead a Legacy, we value our Team Members, and we cherish each other.
AMERIFIRS IMPR FIN/LOA is a Creditor provider. They could be on your report for a number of reasons, for example:
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⚫ You missed a repayment.
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⚫ You opened an account with AmeriFirst Financial Inc.
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⚫ You opened a credit card / loan / mortgage with this company.
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⚫ Someone fraudulently opened a credit line under your name.
About the account
The account is classified under the following METRO2 categories:
- ⚫ Collection Agency/Attorney
- ⚫ Unsecured
- ⚫ Secured
- ⚫ Business Loan
How do I contact them?
Here is the current contact details for AmeriFirst Financial Inc:
Address:
- 1550 E. McKellips Road, Suite 117, Mesa, AZ 85203
Website:
Email:
Phone:
Payments
AmeriFirst Financial, Inc. offers a variety of payment options, including online payments, phone payments, check or money order payments, and mobile app payments. There are penalties for late or missed payments, which may include late fees, additional interest charges, and credit score damage. AmeriFirst Financial, Inc. also offers a Protect Your Transaction loan commitment with a monthly payment plan available.
| Question | Answer |
|---|---|
| Do they offer a monthly payment plan? | Yes |
| 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
AmeriFirst Financial, Inc. does not offer loan forgiveness. They do offer loan consolidation and to qualify for loan forgiveness, applicants will need to apply for one of AmeriFirst Financial, Inc.’s loan products and contact AmeriFirst Financial, Inc.
| Question | Answer |
|---|---|
| Do they offer loan forgiveness? | No |
| Do they offer loan consolidation? | Yes |
How to Apply
you can apply for a loan online, in person, or using a mobile app through AmeriFirst Financial, Inc. They offer Protect Your Transaction® loan commitments that are underwritten upfront by an actual underwriter and are 100% backed by the lender. You can also apply for 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? | 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.
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 AMERIFIRS IMPR FIN/LOA 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.