What does KANSAS COUNSELORS INC mean on my credit report?
Learn about KANSAS COUNSELORS INC, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is KANSAS COUNSELORS INC?
KANSAS COUNSELORS INC is shorthand for Kansas Counselors Inc, with the company name being Kansas Counselors Inc Inc
KANSAS COUNSELORS INC 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 Kansas Counselors 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.
How do I contact them?
Here is the current contact details for Kansas Counselors Inc:
Address:
- 8725 Rosehill Rd #415, Lenexa, KS 66215, United States
Website:
Phone:
Payments
To make a payment, customers can do so online via Client Access or Consumer Access. There is also a mobile app available. If customers are late or miss a payment, there are penalties. Wire transfers and prepaid debit cards are not accepted as payment methods.
| Question | Answer |
|---|---|
| Do they offer a monthly payment plan? | Yes |
| Can I make payments over the phone? | No |
| 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? | No |
| Can I make a payment using a wire transfer? | No |
Forgiveness and Cancellation
KCI does not offer loan forgiveness. You may be able to qualify for loan forgiveness by consolidating existing loans and enrolling in an income-driven repayment plan. These plans adjust monthly payments to fit your budget and forgive any remaining balances after making a certain number of consecutive payments. Other qualifications include public service and disability.
| Question | Answer |
|---|---|
| Do they offer loan forgiveness? | No |
| Do they offer loan consolidation? | No |
How to Apply
you cannot apply for a loan online or over the phone. This service is to pay past-due bills and prevent calls from debt collectors and protect your credit rating. you can apply for a loan with a cosigner. KCI offers attractive fees and has more than 50 years experience.
| Question | Answer |
|---|---|
| Can I apply for a loan online? | No |
| 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? | No |
| Can I apply for a loan with a cosigner? | Yes |
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 KANSAS COUNSELORS INC 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.