What does M J ALTMAN COMPANIES I mean on my credit report?

Learn about M J ALTMAN COMPANIES I, 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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What is M J ALTMAN COMPANIES I?

M J ALTMAN COMPANIES I is shorthand for MJ Altman Companies Inc, with the company name being MJ Altman Companies Inc Inc

M J ALTMAN COMPANIES I 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 MJ Altman Companies Inc.

  • ⚫ 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 MJ Altman Companies Inc:

Address:

  • 205 S Magnolia AveOcala, FL 34471, USA

Website:

Email:

Phone:

Payments

You can make a payment using a variety of payment options, such as credit card, debit card, PayPal, or cash. Some payment methods may be limited by location. Refunds can be obtained by contacting customer service. Payments can be made online or using a mobile app. Wire transfer is not an option for payment.

Question Answer
Do they offer a monthly payment plan? No
Can I make payments online? Yes
Can I make a payment using a mobile app? Yes

Forgiveness and Cancellation

Sallie Mae does not offer loan consolidation. You may be eligible for loan forgiveness if you meet certain requirements.

Question Answer
Do they offer loan consolidation? No

How to Apply

You cannot apply for a loan over the phone or using a mobile app. You may be able to apply for a loan online or in person.

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 using a mobile app? No

SmartCredit Report Example

  • This is an example of what this creditor will look like on your SmartCredit report.

M J ALTMAN COMPANIES I SmartCredit 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 M J ALTMAN COMPANIES I 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.