What does SPEEDY CASH/CURO mean on my credit report?

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

Updated January 1, 2023
Header image

What is SPEEDY CASH/CURO?

SPEEDY CASH/CURO is shorthand for Speedy Cash, with the company name being Speedy Cash Inc

SPEEDY CASH/CURO 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 Speedy Cash.

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

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

About the account

The account is classified under the following METRO2 categories:

  • ⚫ Unsecured

How do I contact them?

Here is the current contact details for Speedy Cash:

Website:

Payments

you can make a payment online, via the mobile app, or by calling 1-877-697-4429. Speedy Cash offers payment plans depending on a Customer’s circumstance. You can make changes to your due date through your online account or the mobile app. Additionally, you can call 1-877-697-4429 to discuss payment options. Checks or money orders can be used as payment. The Speedy Cash stores accept prepaid debit cards as a form of payment. Wire transfers are also a payment method.

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? 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

loan forgiveness is not offered by the company. However, customers impacted by the Coronavirus can receive relief by visiting an open Speedy Cash store, signing in to their online account, or calling 1-877-697-4429.

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

How to Apply

Speedy Cash offers loan applications and account management online, over the phone, and in person. Due to COVID-19, store hours may be adjusted or temporarily closed, and certain precautions, such as social distancing and hand sanitizers, are being taken in stores. Customers can also manage their loan online or through the mobile app, or call 1-877-697-4429 to change due dates.

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? 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.

SPEEDY CASH/CURO 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 SPEEDY CASH/CURO 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.