What does ATHENS FINAN mean on my credit report?

Is ATHENS FINAN making an impact on your credit score?

Updated January 1, 2023
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What is ATHENS FINAN?

ATHENS FINAN is shorthand for Athens Finance INC, with the company name being Athens Finance INC

Our lending operation is our business and our customer services are our ambitions. While at Athens Finance were we recently opened in 2016, our experienced manager Veronica has been in the business for nine years. We make fairly priced, honest, transparent loans and emphasize relationship building-especially during difficult moments.Your trust and confidentiality is very important to us and you can rely on our team to offer financial support.Please contact her today to learn more about how we may be able to assist you.

ATHENS FINAN 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 Athens Finance 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:

  • ⚫ Unsecured

How do I contact them?

Here is the current contact details for Athens Finance INC:

Address:

  • 709 Hobbs St E, Athens, AL 35611, United States

Website:

Email:

Phone:

Payments

Athens Finance does not appear to offer a monthly payment plan. Other payment options include check and money order. There are penalties for late or missed payments.

Question Answer
Do they offer a monthly payment plan? No
Can I make payments over the phone? No
Can I make payments online? No
Do they offer a discount for automatic payments? No
Can I make a payment using a mobile app? No
Can I make a payment using a prepaid debit card? No
Can I make a payment using a wire transfer? No

Forgiveness and Cancellation

Athens Finance does not offer loan forgiveness or consolidation.

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

How to Apply

Athens Finance offers loans that can be applied for online, over the phone, or in person. The loans range from $202.00 to $1491.00. A cosigner may be allowed for the loan.

Question Answer
Can I apply for a loan online? Yes
Can I apply for a loan over a phone call? Yes
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.

ATHENS FINAN 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 ATHENS FINAN 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.