What does BANK OF HOLLY SPRINGS mean on my credit report?
Learn about BANK OF HOLLY SPRINGS, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is BANK OF HOLLY SPRINGS?
BANK OF HOLLY SPRINGS is shorthand for Bank of Holly Springs, with the company name being Bank of Holly Springs
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BANK OF HOLLY SPRINGS is a Creditor provider. They could be on your report for a number of reasons, for example:
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⚫ You missed a repayment.
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⚫ You opened an account with Bank of Holly Springs.
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⚫ You opened a credit card / loan / mortgage with this company.
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⚫ Someone fraudulently opened a credit line under your name.
About the account
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⚫ The average high credit balance is $2100.
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⚫ The typical loan duration is 14 months.
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⚫ The average monthly repayment is $100.
The account is classified under the following METRO2 categories:
- ⚫ Unsecured
- ⚫ Secured
How do I contact them?
Here is the current contact details for Bank of Holly Springs:
Address:
- 02 N. Slayden Road Lamar, MS 38642
Website:
Email:
Phone:
Payments
Bank of Holly Springs offers several options for payments, including online banking, direct deposit, customer service representative, and wire transfer. There are also options for opening an account, such as online banking, office locations, and the Voice Response System.Prepaid debit cards can also be used to make payments. Finally, there are penalties for late or missed payments.
| Question | Answer |
|---|---|
| Do they offer a monthly payment plan? | Yes |
| Can I make payments over the phone? | No |
| 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
Bank of Holly Springs does not offer loan forgiveness or consolidation. Loan forgiveness is not offered by Bank of Holly Springs.
| Question | Answer |
|---|---|
| Do they offer loan forgiveness? | No |
| Do they offer loan consolidation? | No |
How to Apply
Bank of Holly Springs offers a variety of accounts, including checking, savings, money market, and IRA accounts. You can also apply for a loan online. Bank of Holly Springs does not offer loan applications over a phone call. Bank of Holly Springs offers deposit accounts, credit cards, IRAs, and other services for both personal and business banking customers. These services can be accessed online, via phone, and at branches. Bank of Holly Springs offers a variety of accounts, such as checking, savings, and IRA accounts, that can be opened 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? | 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.
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 BANK OF HOLLY SPRINGS 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.
