What does Atlantic Financial Services (ATLANTIC DIS) mean on my credit report?

Is ATLANTIC DIS making an impact credit score?

Updated May 1, 2022


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. 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 account is classified under the following METRO2 categories:

  • ⚫ Collection Agency/Attorney
  • ⚫ Auto Loan
  • ⚫ Secured

More account infomation

  • ⚫ The average account balance is $1900.

  • ⚫ The average high credit balance is $7600.

  • ⚫ The typical loan duration is 40 months.

How do I contact them?

Here is the current contact details for Atlantic Financial Services:


  • 2147 Old Greenbrier Rd
    Suite A
    Chesapeake, VA 23320




  • (757)273-7555

SmartCredit Report Example

  • This is an example of what this creditor will look like on your SmartCredit report.

ATLANTIC DIS SmartCredit 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 ATLANTIC DIS 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.