What does FNB SOUTH mean on my credit report?
Learn about FNB SOUTH, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is FNB SOUTH?
FNB SOUTH is shorthand for FNB South, with the company name being FNB South Inc
Toward the end of 1850, a group of investors started the process needed to create a new bank in Bacon County, Georgia. A charter was authorized by the state department of banking on April 2, 1851, and the Citizens’ Savings Association approved authority to open its doors on May 1, 1851. On January 2, 1974, approval was given to change the name from Citizens’ State Bank to The First National Bank of Alma.
FNB SOUTH 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 FNB South.
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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 FNB South:
Address:
- 423 W. 12th St. Alma, GA 31510
Website:
Email:
Phone:
Payments
FNB South offers many options for making payments, including online, by phone, by mail, and by fax. There is no monthly payment plan, but there is no penalty for late or missed payments. Refunds for payments can only be requested by contacting customer service.
| Question | Answer |
|---|---|
| Do they offer a monthly payment plan? | No |
| 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? | 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
Loan forgiveness and consolidation are both options offered by the website. To qualify for loan forgiveness, certain requirements must be met.
| 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 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? | 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 FNB SOUTH 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.