What does ESB/HARLEY DAVIDSON CR mean on my credit report?

Learn about ESB/HARLEY DAVIDSON CR, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.

Updated January 1, 2023
Header image

What is ESB/HARLEY DAVIDSON CR?

ESB/HARLEY DAVIDSON CR is shorthand for Harley Davidson Credit Corp, with the company name being Harley Davidson Credit Corp Inc

While driving on their Harleys, always remember to follow all rules regarding safety equipment and protective clothing as well as legal requirements and take appropriate rider education courses. Read and fully understanding your Harley-Davidson ® motorcycle’s operating instructions.

ESB/HARLEY DAVIDSON CR 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 Harley Davidson Credit Corp.

  • ⚫ 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:

  • ⚫ Auto Loan
  • ⚫ Line of Credit
  • ⚫ Collection Agency/Attorney
  • ⚫ Auto

How do I contact them?

Here is the current contact details for Harley Davidson Credit Corp:

Address:

  • Dept 15129 Palatine, IL 60055-5129

Website:

Email:

Phone:

Payments

There are many ways to make a payment, including online, over the phone, and using a mobile app. You can also use a check, money order, or wire transfer. There is a discount for automatic payments. There may be penalties for late or missed payments.

Question Answer
Do they offer a monthly payment plan? Yes
Can I make payments over the phone? No
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

The website offers loan forgiveness and consolidation. To qualify for loan forgiveness, the user must fill out a form on the website.

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

How to Apply

All of the above

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.

ESB/HARLEY DAVIDSON CR 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 ESB/HARLEY DAVIDSON CR 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.