What does HOME SERVICING COMPANY mean on my credit report?
Learn about HOME SERVICING COMPANY, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is HOME SERVICING COMPANY?
HOME SERVICING COMPANY is shorthand for Home Servicing Company Inc, with the company name being Home Servicing Company Inc Inc
HOME SERVICING COMPANY 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 Servicing Company 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
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⚫ The average account balance is $200.
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⚫ The average high credit balance is $2100.
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⚫ The average credit limit is $12500.
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⚫ The average monthly repayment is $100.
The account is classified under the following METRO2 categories:
- ⚫ Auto Loan
How do I contact them?
Here is the current contact details for Home Servicing Company Inc:
Address:
- 1061 N. Kraemer Place, Suite G Anaheim, CA 92806
Website:
Email:
Phone:
Payments
To make a payment, you need to provide the payment information, such as the payment method, amount, and any other relevant information, and then submit the payment to process it. Customers can choose to pay in installments and spread the cost of their purchase over several months. To get a payment refund, you must contact the merchant or credit card company from whom you made the purchase. Depending on the policy of the merchant or card issuer, you may need to fill out a form or submit a written request for a refund. You may also need to provide proof of purchase or other documentation. Most companies have customer service representatives available to assist customers with making payments. Additionally, many companies offer automated payment systems so that customers can make payments without needing to contact customer service. Payments can be made online using a variety of payment methods such as credit cards, debit cards, and PayPal. Customers can pay using either a check or money order. Many banks and payment apps now provide customers with the convenience of making digital payments through their mobile devices. Customers can securely and quickly pay bills and transfer money to other accounts with just a few taps. Late or missed payments can result in fees, penalties, and other negative consequences. Depending on the terms of the contract, late payments may incur interest or a penalty and may be reported to credit bureaus, damaging your credit score. Prepaid debit cards are reloadable, meaning you can add more money to the card anytime. These cards provide the same convenience as a regular debit card but without the need for a bank account. Furthermore, they can be used to make purchases online, in stores, and over the phone. A wire transfer is an electronic transfer of funds between two banks and is a safe and secure way to make a 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
Loan forgiveness and consolidation are both options offered by the website. Loan forgiveness requires certain qualifications to be met.
| 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. You might also be able to use a mobile app. You might be able to get 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.
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 SERVICING COMPANY 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.
