What does EXEC FIN mean on my credit report?
Learn about EXEC FIN, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is EXEC FIN?
EXEC FIN is shorthand for Executive Financial Services Inc , with the company name being Executive Financial Services Inc Inc
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EXEC FIN 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 Executive Financial Services Inc .
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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 Executive Financial Services Inc :
Address:
- 3350 Players Club Pkwy, STE 330 Memphis, TN 38125
Website:
Email:
Phone:
Payments
| Question | Answer |
|---|---|
| Do they offer a monthly payment plan? | No |
| Can I make payments over the phone? | No |
| Can I make payments online? | No |
Forgiveness and Cancellation
There are three main types of student loan consolidation: federal consolidation, private consolidation, and refinancing. Federal consolidation is only available through the Department of Education, while private consolidation is through a private lender. Loan forgiveness is when you are no longer responsible for repaying your loan, while consolidation is when you combine multiple loans into one. You may qualify for loan forgiveness if you work in certain public service jobs, if you are disabled, or if your school closes. You may consolidate your loans if you have multiple loans with different interest rates or terms. You can also refinance your loans to get a lower interest rate.
| Question | Answer |
|---|---|
| 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 be able to apply for a loan with a cosigner.
| Question | Answer |
|---|---|
| Can I apply for a loan online? | No |
| 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? | No |
| Can I apply for a loan with a cosigner? | No |
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 EXEC FIN 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.
