What does FIN CR NETWK mean on my credit report?

Learn about FIN CR NETWK, 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 FIN CR NETWK?

FIN CR NETWK is shorthand for Financial Credit Network, with the company name being Financial Credit Network Inc

Do not tell anyone, but we found the secret of collection money. Kindness is it? Yes, yes! That’s right-yes!

FIN CR NETWK 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 Financial Credit Network.

  • ⚫ 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:

  • ⚫ Collection Agency/Attorney

How do I contact them?

Here is the current contact details for Financial Credit Network:

Address:

  • 1300 W Main StVisalia, CA 93291, USA

Website:

Email:

Phone:

Payments

FCN University provides web-based training that can teach clients how to make payments and navigate their debt solutions. Additionally, there are links to forms, newsletters, and resources that can provide helpful guidance. you can make payments over the phone. you can make payments online through the Client View portal. payment options such as using a check or money order are available. you can make a payment with a mobile app using Client View. missed or late payments may incur penalties, depending on the terms and conditions of the agreement. you can make payments using a prepaid debit card. clients can make payments using a wire transfer according to the resources and forms provided by FCN University.

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

The website offers loan forgiveness and consolidation. To qualify for loan forgiveness, you must make 120 qualifying payments.

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. You may also be able to apply for a loan using a mobile app. You may need a cosigner for some loans.

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? No

SmartCredit Report Example

  • This is an example of what this creditor will look like on your SmartCredit report.

FIN CR NETWK 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 FIN CR NETWK 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.