What does HOME HDQTRS mean on my credit report?
Learn about HOME HDQTRS, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is HOME HDQTRS?
HOME HDQTRS is shorthand for Home HeadQuarters Inc, with the company name being Home HeadQuarters Inc Inc
Founded by Bill Deaton for the purpose of providing low cost long distance telephone service within the state of Kansas City, Missouri (USA), it has since expanded
HOME HDQTRS 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 Home HeadQuarters 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.
About the account
The account is classified under the following METRO2 categories:
- ⚫ Real estate
How do I contact them?
Here is the current contact details for Home HeadQuarters Inc:
Address:
- 538 Erie Blvd W, Syracuse, NY 13204, United States
Website:
Email:
Phone:
Payments
Home HeadQuarters offers grants and has rental properties with income restrictions. To sign up for HomeBuyer Education, complete the online orientation registration form and if you sell your property, the loan must be satisfied at closing with proceeds. You can make payments over the phone, online, and with a mobile app. There are penalties for late or missed payments.
| 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
Home HeadQuarters does not offer loan forgiveness or consolidation. Home HeadQuarters offers grants, rental properties and HomeBuyer Education to qualified applicants. Loan forgiveness must be satisfied at closing with proceeds.
| Question | Answer |
|---|---|
| Do they offer loan forgiveness? | No |
| Do they offer loan consolidation? | No |
How to Apply
Home HeadQuarters offers online loan applications for homeowners, homebuyers, and landlords. You can also apply for a loan in person by visiting their office to pick up an application. Income eligibility requirements may apply and HHQ loans must be satisfied at closing with proceeds. Home HeadQuarters offers small business loans that can be applied for through a mobile app. Cosigners are allowed for loans with Home HeadQuarters.
| 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 HOME HDQTRS 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.