What does BAY AREA CS mean on my credit report?

Is BAY AREA CS making an impact on your credit score?

Updated January 1, 2023
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What is BAY AREA CS?

BAY AREA CS is shorthand for Bay Area Credit Service, with the company name being Bay Area Credit Service

We also provide efficient postal codes for business-as well as collection and delivery service options for organizations in the public sector, in finance institutions, and in health care. We offer help in these areas to make companies operate more effectively and smoothly.

BAY AREA CS 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 Bay Area Credit Service.

  • ⚫ 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 $1400.

  • ⚫ The average high credit balance is $1400.

The account is classified under the following METRO2 categories:

  • ⚫ Collection Agency/Attorney

How do I contact them?

Here is the current contact details for Bay Area Credit Service:

Address:

  • 4145 Shackleford Rd #330, Norcross, GA 30093, United States

Website:

Email:

Phone:

Payments

You can make a payment using a credit card, online, through a mobile app, or with a prepaid debit card. There may be penalties for late or missed payments.

Question Answer
Do they offer a monthly payment plan? No
Can I make payments over the phone? Yes
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

Loan forgiveness and consolidation are available through the website. To qualify for loan forgiveness, you must fill out the form on the website.

Question Answer
Do they offer loan consolidation? Yes

How to Apply

you can apply for a loan online or in person. Credit unions offer a wide variety of loan options.

Question Answer
Can I apply for a loan online? Yes
Can I apply for a loan in person? Yes

SmartCredit Report Example

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

BAY AREA CS 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 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 BAY AREA CS 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.