What does ATLANTIC DIS mean on my credit report?
Learn about ATLANTIC DIS, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is ATLANTIC DIS?
ATLANTIC DIS is shorthand for Atlantic Financial Services, with the company name being Atlantic Financial Services
We helped families deal with life’s challenges by providing them with what they needed, when they needed it. Our loan officers were from their local community, understood their unique circumstances, and would treat them with honesty, dignity and respect. Our goal was to provide the best possible customer experience and to enable them to report their payments to the credit agency.
ATLANTIC DIS 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 Atlantic Financial Services.
-
⚫ 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 $1900.
-
⚫ The average high credit balance is $7600.
-
⚫ The typical loan duration is 40 months.
The account is classified under the following METRO2 categories:
- ⚫ Collection Agency/Attorney
- ⚫ Auto Loan
- ⚫ Secured
How do I contact them?
Here is the current contact details for Atlantic Financial Services:
Address:
- 2147 Old Greenbrier Rd
Suite A
Chesapeake, VA 23320
Website:
Email:
Phone:
Payments
Making payments through Atlantic Financial Services is easy. You can use the Online Payments section on the website, or visit your local office. Atlantic Financial Services offers loans from $500 to $10,000 with a payment plan option. refunds for loan payments are not offered by Atlantic Financial Services. Atlantic Financial Services offers the ability to make payments over the phone. They also offer loan payments from $500 to $10,000. Atlantic Financial Services offers online payments. Atlantic Financial Services offers a discount for automatic payments. the only payment option available is online payments. Atlantic Financial Services offers online payments that can be made through a mobile app. there are penalties for late or missed payments. you can make a payment using a prepaid debit card. Atlantic Financial Services allows you to make payments using a wire transfer.
| 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
Atlantic Financial Services offers loans from $500 to $10,000 and adheres to a Fairness in Lending Policy. Loan forgiveness and consolidation are not offered.
| Question | Answer |
|---|---|
| Do they offer loan forgiveness? | No |
| Do they offer loan consolidation? | No |
How to Apply
You can apply for a loan online, in person, or using a mobile app through Atlantic Financial Services. A cosigner can help you qualify for a loan.
| 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 ATLANTIC DIS 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.