What does GRAGIL ASSOC mean on my credit report?
Learn about GRAGIL ASSOC, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is GRAGIL ASSOC?
GRAGIL ASSOC is shorthand for Gragil Associates Inc, with the company name being Gragil Associates Inc Inc
Gragil associates bring[ing] the highest level of commitment possible to the problems that face clients. In 2004 we moved all our operations to our new fully secured, state of the art facility in Pembroke, Mass..
GRAGIL ASSOC 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 Gragil Associates 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 Gragil Associates Inc:
Address:
- 29 Winter Street, Pembroke, MA 02359
Website:
Email:
Phone:
Payments
Payments can be made in a variety of ways including online, over the phone, and by mail. Checks and money orders are also accepted. There is a monthly payment plan available, and discounts are not given for automatic payments. Mobile apps and prepaid debit cards are also accepted. Late or missed payments may incur penalties.
| 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? | 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 is not offered by the company. ABC Bank offers loan consolidation services. Customers can combine multiple loan payments into a single monthly payment. The bank also offers flexible terms, competitive rates, and discounts to qualified applicants. loan forgiveness may be available for borrowers who meet certain qualifications. Generally, borrowers must be employed full-time in a public service job for 10 years, make 120 qualifying payments (each on-time and in-full) and meet additional requirements. The specific criteria and qualifications vary by loan.
| Question | Answer |
|---|---|
| Do they offer loan forgiveness? | No |
| Do they offer loan consolidation? | Yes |
How to Apply
All loan applications must be completed online.
| 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 |
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 GRAGIL ASSOC 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.