What does CARVANT FNCL mean on my credit report?

Learn about CARVANT FNCL, 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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CARVANT FNCL is shorthand for Carvant Financial, with the company name being Carvant Financial Inc

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CARVANT FNCL 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 Carvant Financial.

  • ⚫ 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 $3600.

  • ⚫ The average high credit balance is $8700.

  • ⚫ The typical loan duration is 38 months.

  • ⚫ The average monthly repayment is $100.

The account is classified under the following METRO2 categories:

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

How do I contact them?

Here is the current contact details for Carvant Financial:


  • 6851 Jericho Turnpike #245, Syosset, NY 11791, USA





you can make monthly payments with us. You can make payments online, by phone, through mail, or set up a recurring ACH transaction. There are penalties for late or missed payments. Customers can also view their account information online, make payments using debit or credit cards, mail a check or money order, or set up recurring ACH payments. If you cannot make a payment, you should contact Customer Service by calling (516) 750-4490. It is also possible to change payment dates, defer payments, and get the payoff amount.

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? 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

Carvant offers loan forgiveness, and customers can contact Carvant at (516) 750-4490 for more information and to determine if they are eligible for loan forgiveness. Carvant does not offer loan consolidation.

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

How to Apply

You can apply for a loan online, over the phone, or in person. You can also apply for a loan using a mobile app. If you have a cosigner, you can apply for a loan with them.

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.

CARVANT FNCL 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 CARVANT FNCL 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.