What does CARDINAL FIN mean on my credit report?

Is CARDINAL FIN making an impact credit score?

Updated May 1, 2022


CARDINAL FIN is shorthand for Cardinal Financial Company, with the company name being Cardinal Financial Company LLC

Cardinal Financial was established in 1987 and is proud to serve as one of the leading lenders in the industry. Our leaders have seen the future of mortgages and realized there had to be a better way. For decades they’ve been developing their innovative (technology) systems, which are now called Octane.

CARDINAL FIN is a Creditor. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with Cardinal Financial Company.

  • ⚫ 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:

  • ⚫ Real estate

More account infomation

  • ⚫ The average account balance is $111200.

  • ⚫ The average high credit balance is $225200.

  • ⚫ The typical loan duration is 228 months.

  • ⚫ The average monthly repayment is $700.

How do I contact them?

Here is the current contact details for Cardinal Financial Company:


  • 3701 Arco Corporate Drive, Suite 200, Charlotte, NC 28273




  • 855-561-4944

IdentityIQ Report Example

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

CARDINAL FIN 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 CARDINAL FIN 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.