What does CASCADE FIN mean on my credit report?

Is CASCADE FIN making an impact on your credit score?

Updated January 1, 2023
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What is CASCADE FIN?

CASCADE FIN is shorthand for Cascade Financial Services, with the company name being Cascade Financial Services Inc

Let’s start with manufactured homes loans. Cascade will work with mortgage brokers, foundation professionals, lenders and appraisers to approve your loan and make sure you are given your new home. For twenty two years now, our commitment has never been stronger; we continue expanding our loan programs to be able to say “yes” more times.

CASCADE FIN 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 Cascade Financial Services.

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

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

How do I contact them?

Here is the current contact details for Cascade Financial Services:

Address:

  • 2701 E. Insight Way, Suite #150, Chandler, AZ 85286

Website:

Email:

Phone:

Payments

Cascade Financial Services offers many options for making payments, including online, over the phone, and via mobile app. There are no penalties for late or missed payments.

Question Answer
Do they offer a monthly payment plan? No
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

Cascade does not offer loan forgiveness or consolidation. It is not possible to determine qualifications for loan forgiveness from the given information.

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

How to Apply

Cascade Financial Services offers home loans and other credit services. Loan applications can be completed online or in person with a cosigner.

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.

CASCADE 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 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 CASCADE FIN 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.