What does BK STOCKTON mean on my credit report?
Learn about BK STOCKTON, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is BK STOCKTON?
BK STOCKTON is shorthand for Bank of Stockton, with the company name being Bank of Stockton Inc
J.M. Kelsey is elected as the first president; $ 100,000 worth of business is done in the first month. In 1875 Bank of Stockton grows beyond its original location. He has large agricultural interests and brings the First State Fair into town in 1893. Fred M. West becomes 3rd president, he is a county supervisor, recorder, city councilman and board member of the school district 1917 Gene L. Wilhoit elects 5th president. Doug carries on the traditions of strength, service and philanthropy by serving on many community organisations.
BK STOCKTON 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 Stockton.
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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 account balance is $7700.
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⚫ The average high credit balance is $32700.
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⚫ The typical loan duration is 58 months.
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⚫ The average monthly repayment is $400.
The account is classified under the following METRO2 categories:
- ⚫ Auto Loan
How do I contact them?
Here is the current contact details for Bank of Stockton:
Address:
- 301 East Miner Avenue Stockton, CA 95202
Website:
Email:
Phone:
Payments
Bank of Stockton offers a number of remote ways to bank, including Mobile Banking App with remote deposit and transfer features, Online Banking with transfer features and Zelle®, Access 24, and Cash Management Services with remote deposit for businesses. Personal loan needs and mortgage assistance programs are also available. There are no penalties for late or missed payments.
| Question | Answer |
|---|---|
| Do they offer a monthly payment plan? | No |
| 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? | No |
| Can I make a payment using a wire transfer? | Yes |
Forgiveness and Cancellation
Bank of Stockton does not offer loan forgiveness or consolidation. However, to qualify for loan forgiveness, you must have an account with Bank of Stockton and use its Internet Banking service.
| 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 with a cosigner by contacting Bank of Stockton. They offer mortgage assistance programs and are ready to help with all of your banking needs.
| 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 BK STOCKTON 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.