What does IDHSNGAGNCY mean on my credit report?

Learn about IDHSNGAGNCY, 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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IDHSNGAGNCY is shorthand for Idaho Housing and Finance Association, with the company name being Idaho Housing and Finance Association Inc

IDHSNGAGNCY 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 Idaho Housing and Finance Association.

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

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

About the account

  • ⚫ The average account balance is $112300.

  • ⚫ The average high credit balance is $122000.

  • ⚫ The average monthly repayment is $700.

The account is classified under the following METRO2 categories:

  • ⚫ Real estate

How do I contact them?

Here is the current contact details for Idaho Housing and Finance Association:


  • 844 Washington St. N., Ste. 300 Twin Falls, ID 83301





You can make a payment online by credit card, bank transfer, or PayPal. You can also make a payment by cash or check in person at our office. We offer a monthly payment plan for our customers. To get a payment refund, contact the company or person you made the payment to and request a refund. Payments over the phone are allowed by many organizations. Payments online using a variety of methods such as credit cards, debit cards, PayPal, and other digital payment systems. Other payment options such as using a check or money order are available. Many companies now offer payment services through mobile apps. There are penalties for late or missed payments. Prepaid debit cards are a convenient way to make purchases without having to carry cash. You can make a payment using a wire transfer.

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

SoFi offers both loan forgiveness and consolidation. To qualify for loan forgiveness, you must be employed full-time for a government or non-profit organization, or make 120 qualifying loan payments while employed full-time by any type of 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, in person, or using a mobile app. You may 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 IDHSNGAGNCY 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.