What does JSTNE PETRSN mean on my credit report?
Learn about JSTNE PETRSN, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is JSTNE PETRSN?
JSTNE PETRSN is shorthand for Justine PETERSEN, with the company name being Justine PETERSEN Inc
The Justine Peterson Residence at Tupperware Corp., designed by Arata Isozaki, was completed in 1965.
JSTNE PETRSN 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 Justine PETERSEN.
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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 $900.
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⚫ The average high credit balance is $1400.
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⚫ The typical loan duration is 16 months.
The account is classified under the following METRO2 categories:
- ⚫ Secured
- ⚫ Collection Agency/Attorney
- ⚫ Unsecured
How do I contact them?
Here is the current contact details for Justine PETERSEN:
Address:
- 1023 N Grand Blvd, St. Louis, MO 63106, United States
Website:
Email:
Phone:
Payments
Justine PETERSEN does not currently offer online payments, but is in the process of preparing and implementing an online portal. For clients with loans closed in 2020 or in the Credit Building Nation Partner Program, this feature is available. Those with loans in the Justine PETERSEN or Great Rivers Community Capital (GRCC) Portfolios will be able to make payments online soon.In the meantime, payments can be made over the phone by calling (314) 533-2411. Additionally, an online portal is available for clients with loans closed in 2020 or in the Justine Petersen or Great Rivers Community Capital portfolios.There are penalties for late or missed payments. Contact (314) 533-2411 for payment support and to learn more about changing banking information for ACH withdrawals, canceling or delaying payments, and what to do if a payment is missed.Prepaid debit cards cannot be used to make payments on loans.
| Question | Answer |
|---|---|
| Do they offer a monthly payment plan? | No |
| Can I make payments over the phone? | Yes |
| Can I make payments online? | No |
| Do they offer a discount for automatic payments? | No |
| Can I make a payment using a mobile app? | No |
| Can I make a payment using a prepaid debit card? | No |
| Can I make a payment using a wire transfer? | No |
Forgiveness and Cancellation
they do not offer loan forgiveness or consolidation. It is not directly discussed how to qualify for loan forgiveness.
| Question | Answer |
|---|---|
| Do they offer loan forgiveness? | No |
| Do they offer loan consolidation? | No |
How to Apply
Justine PETERSEN offers credit score counseling, access to credit building loan products, secured credit cards, small business loans, SBA micro-enterprise loans, CDFI micro-loans, USDA micro-enterprise loans, community advantage loans, Able Biz loans, Able Life loans, and contractor loans up to $150,000. You can apply for a loan using a mobile app, and loans can be with or without 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? | No |
| 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 JSTNE PETRSN 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.