What does AMERIFIRS IMPR FIN/LOA mean on my credit report?

Is AMERIFIRS IMPR FIN/LOA making an impact on your credit score?

Updated January 1, 2023

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:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with AmeriFirst Financial 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
  • ⚫ 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.

AMERIFIRS IMPR FIN/LOA 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.