What does HEIGHTS FIN mean on my credit report?
Learn about HEIGHTS FIN, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is HEIGHTS FIN?
HEIGHTS FIN is shorthand for Heights Finance, with the company name being Heights Finance Inc
Financial Services-the financial institution that backs a strong family of brands, just applies online or through one of our many branches, we always do what we can to be respectful towards our customers and show them thanks for their business.
HEIGHTS FIN 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 Heights Finance.
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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.
About the account
The account is classified under the following METRO2 categories:
- ⚫ Collection Agency/Attorney
- ⚫ Unsecured
- ⚫ Secured
- ⚫ Auto Loan
How do I contact them?
Here is the current contact details for Heights Finance:
Address:
- Heights Finance P.O. Box 1947 Greenville, SC 29602
Website:
Email:
Phone:
Payments
Payments can be made in various ways including online, over the phone, or through a mobile app. There may be late fees for missed or late payments. Wire transfers are also an accepted form of payment.
| Question | Answer |
|---|---|
| Do they offer a monthly payment plan? | Yes |
| 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
both loan forgiveness and consolidation are available. To qualify, you must make 120 on-time payments while employed full-time by a qualifying employer.
| 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. Applying for a loan using a mobile application is also an option. If you have bad credit, you may be able to get a loan by applying 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.
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 HEIGHTS FIN 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.