What does PFG FUNDING mean on my credit report?
Learn about PFG FUNDING, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is PFG FUNDING?
PFG FUNDING is shorthand for PFG Funding, with the company name being PFG Funding Inc
PFG FUNDING 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 PFG Funding.
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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:
- ⚫ Auto Loan
How do I contact them?
Here is the current contact details for PFG Funding:
Address:
- 1313 S Country Club Dr, Mesa, AZ 85210, United States
Website:
Email:
Phone:
Payments
PFG Auto Finance offers various methods to make a payment, including AutoPay, Pay Online, Pay by Phone, Pay by Cash at Wal-Mart, and Pay by Mail. Fees and methods vary depending on the option chosen. You can also get a payment refund by making a one-time payment online, speaking with a representative by phone for a fee of $10, or paying by cash or debit at Walmart for a fee of $1.50. You can also mail in a payment with a check/money order to 1313 S. Country Club Dr., Mesa, AZ 85210 with no fee. Payments can be made online, by phone, or by mail. You can also make payments at any Wal-Mart location or set up AutoPay. Fees vary depending on the payment method, but many do not have any associated fees. AutoPay is offered with no fee, and there are other payment options available with fees. PFG Auto Finance also offers other payment options such as using a check or money order, which can be mailed to PFG Auto Finance at 1313 S. Country Club Dr., Mesa, AZ 85210. You can make a payment using a mobile app, a credit/debit card, cash at Wal-Mart, a check/money order, or by phone. There are penalties for late or missed payments. These penalties can include a late fee and may incur higher interest. You can make a payment using a prepaid debit card. The fee for this method is $5.00 and other payment options include AutoPay, check/money order, cash at Wal-Mart, and payment by phone. You can make a payment using a wire transfer, or with cash at a Wal-Mart location, credit/debit online or by phone, or with check/money order by mail.
| 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
PFG Auto Finance does not offer loan forgiveness or consolidation, but does offer several payment options with no fee.
| Question | Answer |
|---|---|
| Do they offer loan forgiveness? | No |
| Do they offer loan consolidation? | No |
How to Apply
You can apply for a loan online by setting up AutoPay using FEX PAY, or by making a one-time payment via credit/debit. You cannot apply for a loan over a phone call, in person, or using a mobile app. You also cannot apply for a loan with 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? | No |
| Can I apply for a loan using a mobile app? | No |
| Can I apply for a loan with a cosigner? | No |
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 PFG FUNDING 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.