What does NORTHERN ARIZ CR SERV mean on my credit report?
Learn about NORTHERN ARIZ CR SERV, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is NORTHERN ARIZ CR SERV?
NORTHERN ARIZ CR SERV is shorthand for Northern Arizona Credit Inc, with the company name being Northern Arizona Credit Inc Inc
The collection problem becomes increasingly difficult and is seriously affecting the bottom line of companies. NAC adopts an informed, diplomatic approach towards collections. In addition, we keep abreast of legal developments and update our records as required by law regarding credit reports. With all proper respects, NAC is allowed to mark debit cards on their credit report for individuals under its control.
NORTHERN ARIZ CR SERV 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 Northern Arizona Credit 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.
About the account
The account is classified under the following METRO2 categories:
- ⚫ Collection Agency/Attorney
How do I contact them?
Here is the current contact details for Northern Arizona Credit Inc:
Address:
- 2224 E Cedar Ave #7; Flagstaff, AZ 86004
Website:
Email:
Phone:
Payments
Northern Arizona Credit, Inc. provides services for making payments, including over the phone check and credit card processing, and online payments accepted via their website. NAC also offers instant over the phone check and credit card processing, as well as online payments accepted via their website. There are no penalties for late or missed payments.
| 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
Northern Arizona Credit does not offer loan forgiveness or consolidation. The best information on loan forgiveness qualifications can be found on www.AskDoctorDebt.com and www.esAskDoctorDebt.com.
| Question | Answer |
|---|---|
| Do they offer loan forgiveness? | No |
| Do they offer loan consolidation? | No |
How to Apply
Northern Arizona Credit does not offer online, phone, or in-person loan applications. They also do not have a mobile app for loan applications. A cosigner is not necessary for their services.
| 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? | No |
SmartCredit Report Example
- This is an example of what this creditor will look like on your 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 NORTHERN ARIZ CR SERV 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.