What does Character, Integrity, Service (CIS FIN SVCS) mean on my credit report?

Is CIS FIN SVCS making an impact credit score?

Updated May 1, 2022


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

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. 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:


  • 851 Military Street North, Hamilton, AL 35570




  • 844-949-3943

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 CIS FIN SVCS 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.