What does CREDIT SERVICE INTL CO mean on my credit report?
Learn about CREDIT SERVICE INTL CO, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is CREDIT SERVICE INTL CO?
CREDIT SERVICE INTL CO is shorthand for Credit Service International, with the company name being Credit Service International Inc
CSI started operating in the commercial and retail collection sector in 1962; CSI has achieved impressive results over time due to excellent cooperation between the agency and its customers, as well as improved systems, technologies and internal processes.
CREDIT SERVICE INTL CO 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 Credit Service International.
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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 Credit Service International:
Address:
- 512 2nd St #6, Hudson, WI 54016, United States
Website:
Email:
Phone:
Payments
Customers can make payments online, over the phone, or through a mobile app. There is also the option to make payments using a check or money order. For those who sign up for automatic payments, there is a discount available. Late or missed payments may result in penalties.
| Question | Answer |
|---|---|
| Do they offer a monthly payment plan? | Yes |
| Can I make payments over the phone? | Yes |
| Do they offer a discount for automatic payments? | No |
| 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. Direct Subsidized Loans are available to undergraduate students with financial need. Your school will determine the amount you can borrow, and the U.S. Department of Education (ED) will pay the interest on a Direct Subsidized Loan while you’re in school at least half-time, during your grace period, and during deferment periods. Direct Unsubsidized Loans are available to undergraduate and graduate students; there is no requirement to demonstrate financial need. Your school will determine the amount you can borrow based on your cost of attendance and other factors. You’re responsible for paying the interest on a Direct Unsubsidized Loan during all periods. Direct PLUS Loans are available to graduate or professional students and parents of dependent undergraduate students to help pay for education expenses not covered by other financial aid. The U.S. Department of Education (ED) will perform a credit check to determine if you’re eligible to receive a Direct PLUS Loan. If you’re a parent borrowing on behalf of your dependent student, you’re not required to complete the FAFSA® form to get a Direct PLUS Loan.
| 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. Some lenders also offer mobile apps. You may be able to get a loan with a cosigner.
| Question | Answer |
|---|---|
| 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? | Yes |
| Can I apply for a loan with a cosigner? | Yes |
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 CREDIT SERVICE INTL CO 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.