What does BAY CRED UNI mean on my credit report?
Is BAY CRED UNI making an impact on your credit score?
What is BAY CRED UNI?
BAY CRED UNI is shorthand for
Aqua Finance Inc, with the company name being
Aqua Finance, Inc
BAY CRED UNI 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 Aqua Finance Inc.
⚫ You opened a credit card / loan / mortgage with this company.
⚫ Someone fraudulently opened a credit line under your name.
How do I contact them?
Here is the current contact details for Aqua Finance Inc:
- One Corporate Drive, Suite 300 Wausau, WI 54401
Aqua Finance, Inc. offers monthly payment plans and various payment options that include online payment, check, money order, wire transfer, and prepaid debit card. There are penalties for late or missed payments.
|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
Aqua Finance does not offer loan forgiveness or consolidation. However, you may qualify for loan forgiveness by contacting them at 800-234-3663 or email@example.com.
|Do they offer loan forgiveness?||No|
|Do they offer loan consolidation?||No|
How to Apply
Aqua Finance, Inc. offers online loan applications through their website. A cosigner can be used to apply for a loan with Aqua Finance, Inc. They do not provide loan application services over the phone or through a mobile app.
|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?||No|
|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 BAY CRED UNI 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.