What does FIRST-SUNFIN mean on my credit report?

Learn about FIRST-SUNFIN, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.

Updated January 1, 2023
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What is FIRST-SUNFIN?

FIRST-SUNFIN is shorthand for FirstSun Financial Inc , with the company name being FirstSun Financial Inc Inc

Since 1998, we have specialized in providing secondary automotive finance for residents of northeast Florida.Our customers will receive reliable transport and funding, no matter what their previous credit rating was.We strive to support our employees by encouraging them to innovate and take advantage of opportunities to assist customers in overcoming negative situations.As we say “if our customers succeed, so do we”.

FIRST-SUNFIN 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 FirstSun Financial Inc .

  • ⚫ 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
  • ⚫ Unsecured

How do I contact them?

Here is the current contact details for FirstSun Financial Inc :

Address:

  • 5013 Park Street Jacksonville, FL 32205

Website:

Email:

Phone:

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? No
Can I make a payment using a mobile app? No
Can I make a payment using a prepaid debit card? Yes
Can I make a payment using a wire transfer? Yes

How to Apply

FirstSun Financial offers loan application services online, over the phone, and with a cosigner. They have low interest rates and offer discounts for qualified applicants. For more information, contact Bruce Wiltse at 904-389-9565 or brucew@firstsunfinancial.com.

Question Answer
Can I apply for a loan online? Yes
Can I apply for a loan over a phone call? Yes
Can I apply for a loan in person? No
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.

FIRST-SUNFIN 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 FIRST-SUNFIN 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.