What does CAMELBACK FINANCE INC mean on my credit report?

Is CAMELBACK FINANCE INC making an impact on your credit score?

Updated January 1, 2023
Header image


CAMELBACK FINANCE INC is shorthand for CAMELBACK FINANCE, with the company name being CAMELBACK FINANCE Inc

CAMELBACK FINANCE INC 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 CAMELBACK FINANCE.

  • ⚫ 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 $10400.

  • ⚫ The average high credit balance is $9500.

  • ⚫ The typical loan duration is 36 months.

The account is classified under the following METRO2 categories:

  • ⚫ Auto Loan
  • ⚫ Collection Agency/Attorney

How do I contact them?

Here is the current contact details for CAMELBACK FINANCE:


  • 5005 N Black Canyon Fwy, , Phoenix, AZ 85015, , (602) 362-4418





Camelback Finance offers multiple payment options including auto pay, online payments, mail payments, and phone payments. Additionally, customers can register with a new payment portal FexPay.

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

Camelback Finance does not offer loan forgiveness or consolidation. They do, however, offer an Easy Loan program in Arizona with features such as quick approval, short term loans averaging 40 months, affordable down payments, low payments, and the ability to build credit. Payment options include Auto Pay, Pay Online (Debit Card), Pay by Mail (Check/Money Order), and Pay by Phone (Debit Card).

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

How to Apply

Camelback Finance offers loans that can be applied for online, over the phone, or in person. They also have a new payment portal called FexPay for more secure payments. Applying for a loan with a cosigner is an option.

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

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 CAMELBACK FINANCE INC 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.