What does EOS CCA mean on my credit report?
Learn about EOS CCA, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is EOS CCA?
EOS CCA is shorthand for EOS CCA, with the company name being EOS CCA Inc
Originally established in 1991 as The Collection Agency, it focused on collecting overdue bills from residents of Los Angeles County who were unable to collect against other debts. Its parent company eventually became the EOS group, which operates globally through its subsidiary EOS CCA.
EOS CCA 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 EOS CCA.
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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.
About the account
The account is classified under the following METRO2 categories:
- ⚫ Collection Agency/Attorney
How do I contact them?
Here is the current contact details for EOS CCA:
Address:
- 700 Longwater Dr, Norwell, MA 02061, United States
Website:
Phone:
Payments
To make a payment, you can do so online, through a mobile app, over the phone, or by using a wire transfer. You can also make payments using a prepaid debit card, check, or 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? | Yes |
| Can I make payments over the phone? | Yes |
| Can I make payments online? | Yes |
| Do they offer a discount for automatic payments? | Yes |
| 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 student loans in the US: federal student loans, private student loans, and Parent PLUS Loans. Each type of loan has different terms and conditions, so it’s important to understand the difference before taking out a loan. Federal student loans are the most common type of student loan, and they offer a number of benefits, including loan forgiveness and consolidation. Private student loans usually have higher interest rates and are not eligible for loan forgiveness. Parent PLUS Loans are federal loans that parents can take out to help their children pay for college. All three types of loans can be used for tuition, room and board, books, and other education-related expenses.
| Question | Answer |
|---|---|
| Do they offer loan forgiveness? | No |
| Do they offer loan consolidation? | No |
How to Apply
To apply for a loan, you can do it online, over the phone, in person, or using a mobile app. You may also be able to apply for a loan with a cosigner.
| 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? | No |
| Can I apply for a loan using a mobile app? | Yes |
| Can I apply for a loan with a cosigner? | Yes |
SmartCredit Report Example
- This is an example of what this creditor will look like on your SmartCredit 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 EOS CCA 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.
