What does LTD FINANCIAL SVCS LP mean on my credit report?

Learn about LTD FINANCIAL SVCS LP, 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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LTD FINANCIAL SVCS LP is shorthand for LTD Financial Services LP, with the company name being LTD Financial Services LP Inc

LTD FINANCIAL SVCS LP 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 LTD Financial Services LP.

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

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

How do I contact them?

Here is the current contact details for LTD Financial Services LP:


  • 3200 Wilcrest Dr, Houston, TX 77042, United States



  • (mailto:// )



you can make payments in several ways including using a credit or debit card, a bank transfer, or a payment app linked to your bank account. Most companies offer a refund policy for payment refunds. To receive a payment refund, contact the company you made the payment to and provide them with the necessary information. Payments can also be made over the phone by calling customer service and providing the necessary payment information. There are other payment options such as using a check or money order. Additionally, customers can use a credit card or debit card to make payments. Some payment apps offer the ability to pay in person through a QR code or barcode. There are penalties for late or missed payments, which can include additional interest and fees, a potential lower credit score, or being reported to a collection agency. Prepaid debit cards can be used to make payments, as they are a secure payment option that cannot be overdrawn and are reloadable. Wire transfers are another way to make payments, which is done by electronically transferring the money from one bank account to another.

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

both loan forgiveness and consolidation are available. To qualify for loan forgiveness, you must make 120 payments while employed full-time by a qualifying employer. To qualify for consolidation, you must have made at least 12 monthly payments on your eligible federal student loans.

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 may also be able to apply for a loan using a mobile app. In some cases, you may need 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

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 LTD FINANCIAL SVCS LP 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.