What does NELSON CRUZ & ASSOCIAT mean on my credit report?
Learn about NELSON CRUZ & ASSOCIAT, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is NELSON CRUZ & ASSOCIAT?
NELSON CRUZ & ASSOCIAT is shorthand for Nelson Cruz & Associates, with the company name being Nelson Cruz & Associates Inc
Our unique approach yields still a success rate for our clients above 85%, our services are commercial debt collection experienced collectors are available to collect your debts from businesses both foreign and domestic in record time.
NELSON CRUZ & ASSOCIAT 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 Nelson Cruz & Associates.
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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 Nelson Cruz & Associates:
Address:
- 9535 Forest Ln, Dallas, TX 75243, United States
Website:
Phone:
Payments
Nelson, Cruz & Associates offers many payment options such as online payment, wire transfer, and prepaid debit card. They also offer commercial collections, corporate remarketing, and many other services. You can visit their website for more information.
| Question | Answer |
|---|---|
| Do they offer a monthly payment plan? | No |
| 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
Nelson, Cruz and Associates does not offer loan forgiveness or consolidation services.
| Question | Answer |
|---|---|
| Do they offer loan forgiveness? | No |
| Do they offer loan consolidation? | No |
How to Apply
Nelson, Cruz and Associates offers services for online loan applications, such as Receivables Management, Portfolio Management, and Lien Affidavits and Notices. They also specialize in commercial collections and corporate remarketing, and their services can be accessed through a mobile app. You can apply for a loan with a cosigner through the firm.
| 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 |
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 NELSON CRUZ & ASSOCIAT 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.