What does PERSONAL FINANCE/MARIN mean on my credit report?

Learn about PERSONAL FINANCE/MARIN, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.

Updated January 1, 2023
Header image


PERSONAL FINANCE/MARIN is shorthand for Mariner Finance LLC, with the company name being Mariner Finance LLC Inc

With personal loans, the consumer pays the loan amount at a fixed interest over a fixed period of time. This type of installment loan can be secured against an asset or have a co-signer; or can be unsecured (based on credit history and other factors), which are loans that meet an individual need as opposed to a business need. For more information or to contact your local branch, please see below.

PERSONAL FINANCE/MARIN 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 Mariner Finance LLC.

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

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

About the account

  • ⚫ The average account balance is $400.

  • ⚫ The average high credit balance is $1600.

The account is classified under the following METRO2 categories:

  • ⚫ Secured
  • ⚫ Collection Agency/Attorney

How do I contact them?

Here is the current contact details for Mariner Finance LLC:


  • 8211 Town Center Drive, Nottingham, MD 21236




Payments can be made online, by mail, or over the phone. There is also the option to pay in installments. If you need to refund a payment, you can contact customer service. There are many ways to make payment, including using a mobile app, and there may be penalties for late or missed payments.

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? Yes
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

loan forgiveness is not offered by this company. ABC Bank offers loan consolidation services. They provide a range of options to help customers combine debt and lower their interest rates. They offer customized solutions and work with customers to find the best loan consolidation plan that suits their needs. loan forgiveness is available for those who meet certain criteria. Generally, borrowers may qualify for loan forgiveness if their employer is a non-profit or government organization and they have made 120 qualifying payments while working at the organization. Additionally, borrowers may also qualify if they have made payments under certain income-driven repayment plans.

Question Answer
Do they offer loan forgiveness? No
Do they offer loan consolidation? Yes

How to Apply

It is possible to apply for a loan online, over the phone, in person, or using a mobile app. Many lenders also allow for cosigners to help those who may not qualify for a loan by themselves.

Question Answer
Can I apply for a loan online? Yes
Can I apply for a loan over a phone call? Yes
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

IdentityIQ Report Example

  • This is an example of what this creditor will look like on your IdentityIQ 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 PERSONAL FINANCE/MARIN 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.