What does CHURCHWD mean on my credit report?

Is CHURCHWD making an impact credit score?

Updated May 1, 2022

What is CHURCHWD?

CHURCHWD is shorthand for Church World Service, with the company name being Church World Service LLC

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. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with Church World Service.

  • ⚫ 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 Church World Service:

Address:

  • /IRP+, P.O. Box 645280, Cincinnati, OH 45264-5280

Website:

Email:

Phone:

  • 800.297.1516

IdentityIQ Report Example

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

CHURCHWD 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 CHURCHWD 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.