What does STERLING CREDIT CORP mean on my credit report?

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

Updated January 1, 2023
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What is STERLING CREDIT CORP?

STERLING CREDIT CORP is shorthand for Sterling Credit Corp, with the company name being Sterling Credit Corp Inc

STERLING CREDIT CORP 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 Sterling Credit Corp.

  • ⚫ 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 Sterling Credit Corp:

Address:

  • PO BOX 162449 Altamonte Springs FL 32716

Website:

Email:

Phone:

Payments

Payments can be made online or by phone. Payment options include credit cards, debit cards, PayPal, Apple Pay, and other payment methods. You can also make a payment using a mobile app, a prepaid debit card, or a wire transfer.

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

Citizens Bank offers loan consolidation services to help customers manage their debt. They provide fixed rates and flexible repayment plans to help customers find the best option for their needs. Loan forgiveness is also available for those who qualify under certain circumstances, such as working in public service for ten years or having a federal loan that is part of an income-driven repayment plan.

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

How to Apply

You can apply for a loan online, in person, or using a mobile app. Many lenders now offer online applications that can be completed quickly and easily. Some lenders may require an in-person meeting to complete the loan application process. A cosigner may be necessary for those with a limited credit history or low income when applying for a loan.

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.

STERLING CREDIT CORP 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 STERLING CREDIT CORP 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.