What does GRIFFIN FINANCIAL CO mean on my credit report?

Learn about GRIFFIN FINANCIAL CO, 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 GRIFFIN FINANCIAL CO?

GRIFFIN FINANCIAL CO is shorthand for Griffin Financial Group LLC, with the company name being Griffin Financial Group LLC Inc

It is located to the north of Thiruvananthapuram and around it are Kallirangatta (Kodinum), Puducherry district headquarters of Tamil Nadu, India.

GRIFFIN FINANCIAL CO 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 Griffin Financial Group LLC.

  • ⚫ You opened a credit card / loan / mortgage with this company.

  • ⚫ Someone fraudulently opened a credit line under your name.

How do I contact them?

Here is the current contact details for Griffin Financial Group LLC:

Address:

  • 607 Washington Street P.O. Box 1497 Reading, PA 19603

Website:

Email:

Phone:

Payments

You can make payments by credit card, debit card, bank transfer, phone, online, check, money order, mobile app, or wire transfer. If you pay late or miss a payment, there may be penalties such as late fees or a negative impact on credit.

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 and consolidation are sometimes available for those who qualify. To learn more, consult the website for your specific lender.

Question Answer
Do they offer loan forgiveness? No
Do they offer loan consolidation? Yes

How to Apply

you can apply for a loan online, over the phone, or in person. Most lenders prefer that you apply online, but some may offer appointment-based or walk-in services. You can also usually apply for a loan using a mobile app. In some cases, you may be able to apply for a loan with a cosigner.

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

IdentityIQ Report Example

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

GRIFFIN FINANCIAL CO 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 GRIFFIN FINANCIAL CO 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.