What does BRIDGECREST mean on my credit report?

Is BRIDGECREST making an impact on your credit score?

Updated January 1, 2023

What is BRIDGECREST?

BRIDGECREST is shorthand for Bridgecrest Financial, with the company name being Bridgecrest Financial Inc

BRIDGECREST 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 Bridgecrest Financial.

  • ⚫ You opened a credit card / loan / mortgage with this company.

  • ⚫ Someone fraudulently opened a credit line under your name.

About the account

The account is classified under the following METRO2 categories:

  • ⚫ Auto Loan
  • ⚫ Auto
  • ⚫ Collection Agency/Attorney

How do I contact them?

Here is the current contact details for Bridgecrest Financial:

Address:

  • 15001 FAA Blvd, Fort Worth, TX 76155, United States

Website:

Email:

Phone:

Payments

Bridgecrest offers multiple payment options, including auto pay, skip a payment, a monthly payment plan, and more. Payment options include online payments, mobile app, phone, check, money order, and prepaid debit card. Wire transfer payments are also accepted. There are penalty fees for late or missed payments.

Question Answer
Do they offer a monthly payment plan? Yes
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

Bridgecrest does not offer loan forgiveness or consolidation. Student loan forgiveness is an option for certain borrowers who qualify for it. To qualify for loan forgiveness, you must be a full-time employee of a public service organization or enrolled in an income-driven repayment plan for at least 20-25 years. You must also make 120 monthly payments on time and in full. After meeting these criteria, you may be eligible to have your remaining student loan balance forgiven.

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

How to Apply

Bridgecrest does not have any online, phone, or in-person loan applications. You also cannot use a cosigner for your loan application.

Question Answer
Can I apply for a loan online? No
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? No

IdentityIQ Report Example

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

BRIDGECREST 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 BRIDGECREST 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.