What does SPRING CREEK FINANCIAL mean on my credit report?
Learn about SPRING CREEK FINANCIAL, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is SPRING CREEK FINANCIAL?
SPRING CREEK FINANCIAL is shorthand for Spring Creek Financial, with the company name being Spring Creek Financial Inc
Spring Creek Financial was founded on January 1, 2016, our goal is to provide professional service with fast easy in house financing to our customers. The owner Mike Warren (the founder) grew up working with his father on vehicles and his grandfather’s trading post (Warren Trading Post), after a three-year military term at the United States Army he married Lisa Grace and returned in May 1992 to Waterflow to start Southwest Auto Sales together with her, in August 1999 they began Autowurx, and in 2008, Credit Express.
SPRING CREEK FINANCIAL 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 Spring Creek Financial.
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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.
How do I contact them?
Here is the current contact details for Spring Creek Financial:
Address:
- 3306 US-64, Waterflow, NM 87421, United States
Website:
Payments
payment can be made by walking in, over the phone, online, or by mail. Additionally, auto pay is available, and payment plans can be tailored to meet your budget. Spring Creek Financial offers payment options that include wire transfers, walk in, over the phone, online, mail and Auto pay.
| 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
Spring Creek Financial does not offer loan forgiveness or consolidation.
| Question | Answer |
|---|---|
| Do they offer loan forgiveness? | No |
| Do they offer loan consolidation? | No |
How to Apply
Spring Creek Financial offers financing for pre-owned vehicles purchased from Credit Express in Waterflow, NM. Payment can be done through walk in, over the phone, online, or mail. Loan applications can be done online.
| 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 SPRING CREEK FINANCIAL 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.
