What does CAJUN CR OPE mean on my credit report?
Learn about CAJUN CR OPE, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is CAJUN CR OPE?
CAJUN CR OPE is shorthand for Cajun Credit, with the company name being Cajun Credit Inc
Experienced loan professionals are located in Opelousas at Cajun Credit in Opelousas, and are happy to meet all your small loan requirements. We realize that time is important, so our professional staff members will always provide you with friendly service, and approve you and get you the money you need fast.
CAJUN CR OPE 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 Cajun Credit.
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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 high credit balance is $400.
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⚫ The typical loan duration is 6 months.
The account is classified under the following METRO2 categories:
- ⚫ Secured
How do I contact them?
Here is the current contact details for Cajun Credit:
Address:
- 127 E. Landry Street | Opelousas, LA 70570
Website:
Email:
Phone:
Payments
Cajun Credit offers a wide variety of loan services and accepts various payment methods. Customers can make payments online, via mobile app, or through wire transfer. Other payment options include using a check or money order, or a prepaid debit card. Late or missed payments may incur penalties depending on the type of loan.
| 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
Cajun Credit offers consolidation loans but does not offer loan forgiveness.
| Question | Answer |
|---|---|
| Do they offer loan forgiveness? | No |
| Do they offer loan consolidation? | Yes |
How to Apply
Cajun Credit offers various types of loans, including auto, personal, consolidation, and fixed income loans. Loans range from $100 to $5,000. Customers can apply for loans in person or online. A cosigner may be necessary for some loan types.
| 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 CAJUN CR OPE 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.