What does CAPROCK CREDIT CORP mean on my credit report?

Learn about CAPROCK CREDIT CORP, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.

Updated January 1, 2023
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CAPROCK CREDIT CORP is shorthand for Caprock Credit, with the company name being Caprock Credit Inc

CAPROCK CREDIT CORP 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 Caprock Credit.

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

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

About the account

  • ⚫ The average high credit balance is $10300.

  • ⚫ The typical loan duration is 36 months.

The account is classified under the following METRO2 categories:

  • ⚫ Auto Loan

How do I contact them?

Here is the current contact details for Caprock Credit:


  • 116 SW Ave. B, , Seminole, TX 79360





To make a payment, you can do so online with a credit or debit card. There is a $10 Convenience Fee assessed for online payments. You can also make a payment using a wire transfer.

Question Answer
Can I make payments over the phone? No
Can I make payments online? Yes
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

they do not offer loan consolidation. Loan forgiveness is available for certain federal student loans as part of the federal government’s student loan forgiveness programs. To qualify for loan forgiveness, you must meet certain criteria such as meeting certain income-driven repayment plans and making full monthly payments for a certain period of time. You must also work in a qualifying public service job or for a qualified employer.

Question Answer
Do they offer loan consolidation? No

How to Apply

Caprock Federal Credit Union offers online applications for auto loans, home loans, and checking accounts. It is not possible to apply for a loan over a phone call. Members can apply for loans online or in person using a mobile app. Caprock Federal Credit Union offers loan financing for autos, motorcycles, rv’s, and homes and will partner with you to accomplish your financial dreams.

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 CAPROCK CREDIT CORP 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.