What does AMERINAT mean on my credit report?

Is AMERINAT making an impact on your credit score?

Updated January 1, 2023
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What is AMERINAT?

AMERINAT is shorthand for AmeriNat, with the company name being AmeriNat

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AMERINAT 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 AmeriNat.

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

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

About the account

  • ⚫ The average account balance is $9500.

  • ⚫ The average high credit balance is $19300.

  • ⚫ The typical loan duration is 248 months.

  • ⚫ The average monthly repayment is $100.

The account is classified under the following METRO2 categories:

  • ⚫ Real estate

How do I contact them?

Here is the current contact details for AmeriNat:

Address:

  • 217 S Newton Ave, Albert Lea, MN 56007, United States

Website:

Email:

Phone:

Payments

AmeriNat offers a variety of loan servicing and other services to clients such as banks, credit unions, CDFIs, and private lenders. Payment plans can be discussed with the customer service team or through the Contact Us page. AmeriNat offers monthly payment plans. AmeriNat does not provide payment refund services. AmeriNat accepts payment over the phone for loan servicing, loss mitigation, asset management, underwriting, compliance monitoring, consulting, and Commercial PACE Management. AmeriNat offers services that make payments online. AmeriNat offers a discount for automatic payments. AmeriNat offers a variety of payment options, including checks and money orders. AmeriNat offers mobile payment solutions to its clients. there are penalties for late or missed payments. AmeriNat offers services which support payments using prepaid debit cards. AmeriNat offers wire transfer payments as a payment option.

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? 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

AmeriNat offers loan consolidation services and specializes in economic development loans and other story credits. They provide alternatives to foreclosure.

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

How to Apply

You can apply for a loan online with AmeriNat. They offer loan services such as loan servicing, underwriting, compliance monitoring, and consulting. You cannot apply for a loan over the phone or in person. AmeriNat does offer mobile loan applications. When applying for a loan, you can use 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? No
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.

AMERINAT 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 AMERINAT 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.