What does CHURCHWD mean on my credit report?
Learn about CHURCHWD, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is CHURCHWD?
CHURCHWD is shorthand for Church World Service, with the company name being Church World Service Inc
CWS’work started in 1946 after the second world war, on a mission to provide food for the poor and aid those in need. The leadership of CWS president and CEO Richard L. Santos leads an experienced and diversified international staff. Finances see here how our support came — and how we used it — in fiscal year 2019 and download a copy of our IRS 990 form. Transparency CWS is committed to the transparency in our management, finance and relations with partners.
CHURCHWD 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 Church World Service.
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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 Church World Service:
Address:
- /IRP+, P.O. Box 645280, Cincinnati, OH 45264-5280
Website:
Email:
Phone:
Payments
To make a payment, you can do so online, over the phone, or through a mobile app. You can also use 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? | No |
| 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? | No |
| Can I make a payment using a prepaid debit card? | Yes |
| Can I make a payment using a wire transfer? | No |
Forgiveness and Cancellation
Loan forgiveness and consolidation are both options offered by the website. To qualify for loan forgiveness, certain requirements must be met.
| Question | Answer |
|---|---|
| Do they offer loan forgiveness? | No |
| Do they offer loan consolidation? | No |
How to Apply
you cannot apply for a loan online, over the phone, or in person. a cosigner may be able to help you apply for a loan.
| 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? | 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 CHURCHWD 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.