What does CIS FIN SVCS mean on my credit report?

Is CIS FIN SVCS making an impact on your credit score?

Updated January 1, 2023
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What is CIS FIN SVCS?

CIS FIN SVCS is shorthand for Character Integrity Service, with the company name being Character Integrity Service Inc

This was our goal when we first opened our doors in 1991 and is still the case today. The CIS has established itself as a flagship institution within the residential mortgage market place. Due to this fact, we have been able to cultivate long-term, profitable relationships with key partners including Fannie Mae and Freddie Mac.

CIS FIN SVCS 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 Character Integrity Service.

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

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

About the account

The account is classified under the following METRO2 categories:

  • ⚫ Real estate

How do I contact them?

Here is the current contact details for Character Integrity Service:

Address:

  • 851 Military Street North, Hamilton, AL 35570

Website:

Email:

Phone:

Payments

CIS Home Loans offers easy and secure payment options. Customers can get pre-qualified quickly, meet with a professional team member, and enjoy their home with the best rates. They can also access loan servicing and manage their accounts.CIS Home Loans offers a monthly payment plan.payments can no longer be made in the manage account tab and must be made through Payment Options, One Time Payment, or Pay By Phone. Beware of any person or organization that asks for a fee in exchange for housing counseling services or modification of a delinquent loan. Forbearance request forms and other loan applications can be found online.CIS Home Loans offers payment services over the phone. Contact us to learn more.CIS Home Loans provides the ability to make payments online and manage accounts.they do not offer a discount for automatic payments.CIS Home Loans offers other payment options such as using a check or money order.CIS Home Loans provide customers with access to a mobile app to make payments, manage their accounts, and contact loan servicing quickly and easily.there are penalties for late or missed payments with CIS Home Loans. These penalties include higher interest rates, additional fees, and/or negative impacts on your credit score.CIS Home Loans offers customers the ability to make payments using a prepaid debit card.CIS Home Loans offers wire transfer payments for mortgage loans.

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? 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

There are three main types of federal student loans: Direct Subsidized Loans, Direct Unsubsidized Loans, and Direct PLUS Loans. You may consolidate all or some of your federal student loans into a Direct Consolidation Loan. You can’t consolidate private student loans into a Direct Consolidation Loan. If you’re struggling to make your student loan payments, you might be able to get loan forgiveness or deferment.

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

How to Apply

you can apply for a loan online, over the phone, or in person. You may also be able to apply for a loan using a mobile app. You may need a cosigner for some loans.

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.

CIS FIN SVCS 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 CIS FIN SVCS 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.