What does SERVICEFIN mean on my credit report?

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

Updated January 1, 2023
Header image


SERVICEFIN is shorthand for ServiceLink, with the company name being ServiceLink Inc

Our teams work together with our clients to achieve a full understanding of their processes and workflows - guaranteeing seamless, efficient procedures. At ServiceLink’s loan origination services, we combine the strength and scalability of an industry leader with the concern and care of a local provider. We know that communication and local knowledge are essential. Our teams will know yours-so we become an extension of your operation. An industry-leading vendor network

SERVICEFIN 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 ServiceLink.

  • ⚫ 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 ServiceLink:




ServiceLink offers a variety of payment options, including online, phone, and mobile app. There are penalties for late or missed payments, including fees and additional charges. ServiceLink also offers a full suite of title, closing, valuation, home equity, flood, default, field services, servicing valuations, auction, asset management, reporting, and support services.

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

ServiceLink does not offer loan forgiveness or consolidation, however they do offer loan modification services to help borrowers avoid foreclosure and mitigate loss. Property reports, title grading, document generation, signing and recording services are also provided.

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

How to Apply

ServiceLink provides loan origination services, default services, and services and technology for investors of residential real estate portfolios. They offer full suite of title, property inspection, auction and property valuation services, plus cutting-edge technology for a broad range of investor types. Additionally, they provide default services, property valuation services, auction services, asset management and reporting and support for servicers and investors.

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

IdentityIQ Report Example

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

SERVICEFIN 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 SERVICEFIN 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.