What does BLUCURRENT mean on my credit report?

Is BLUCURRENT making an impact on your credit score?

Updated January 1, 2023
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What is BLUCURRENT?

BLUCURRENT is shorthand for BluCurrent, with the company name being BluCurrent Inc

BLUCURRENT 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 BluCurrent.

  • ⚫ 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 $5900.

  • ⚫ The average high credit balance is $13100.

  • ⚫ The average monthly repayment is $200.

The account is classified under the following METRO2 categories:

  • ⚫ Auto

How do I contact them?

Here is the current contact details for BluCurrent:

Address:

  • 1770 W Sunset St, Springfield, MO 65807, United States

Website:

Email:

Phone:

Payments

You can make payments online with a credit card or debit card. You can also avoid fees and interest charges if you are responsible and organized with your credit card. Other payment options such as using a check or money order are available. You can make a payment using a mobile app. To avoid fees and interest charges, you should look for a card with no annual fee, pay your balance in full and on time each month and avoid foreign purchases.

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? Yes
Can I make a payment using a wire transfer? Yes

Forgiveness and Cancellation

Question Answer
Do they offer loan forgiveness? No
Do they offer loan consolidation? No

How to Apply

you can apply for a loan online. Many credit cards offer borrowing money with the option to pay back in full before the due date with no additional charges or fees. Credit cards are like loans and debit cards are connected to checking or savings accounts. To avoid fees and interest charges, find a card with no annual fee, pay your balance in full and on time each month, avoid foreign purchases, and do not consent to over-limit fees.you can apply for a loan with a cosigner. To avoid fees and interest charges, choose a card with no annual fee, pay your balance in full and on time each month, avoid foreign purchases, and don’t consent to over-limit fees.

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? No
Can I apply for a loan with a cosigner? Yes

SmartCredit Report Example

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

BLUCURRENT 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 BLUCURRENT 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.