What does CENTRAL CREDIT AUDIT mean on my credit report?
Learn about CENTRAL CREDIT AUDIT, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is CENTRAL CREDIT AUDIT?
CENTRAL CREDIT AUDIT is shorthand for Central Credit Audit LLC, with the company name being Central Credit Audit LLC Inc
CCA soon established itself as a specialist in handling medical claims and hospital debts; it was founded in 1972 by Michael J. Kennedy and still has its headquarters in Dublin. The company maintains various subsidiary companies across Europe for specific markets.
CENTRAL CREDIT AUDIT is a Creditor provider. They could be on your report for a number of reasons, for example:
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⚫ You missed a repayment.
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⚫ You opened an account with Central Credit Audit LLC.
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⚫ You opened a credit card / loan / mortgage with this company.
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⚫ Someone fraudulently opened a credit line under your name.
How do I contact them?
Here is the current contact details for Central Credit Audit LLC:
Address:
- 612 W Hamilton Street, Allentown PA, 18101
Website:
Email:
Phone:
Payments
You can make payments online, over the phone, or using a mobile app. You can also make payments using a prepaid debit card, wire transfer, or check/money order. There is a discount for automatic payments, and penalties for late or missed payments.
| Question | Answer |
|---|---|
| Do they offer a monthly payment plan? | Yes |
| Can I make payments over the phone? | No |
| 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
Loan consolidation and loan forgiveness are both offered by the website. To qualify for loan forgiveness, certain requirements must be met.
| Question | Answer |
|---|---|
| Do they offer loan consolidation? | No |
How to Apply
To apply for a loan, you can do so online, over the phone, in person, or using a mobile app. You may also be able to apply for a loan with a cosigner.
| Question | Answer |
|---|---|
| Can I apply for a loan online? | No |
| 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? | No |
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 CENTRAL CREDIT AUDIT 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.
