What does SUN CREDIT FINANCIAL mean on my credit report?
Learn about SUN CREDIT FINANCIAL, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is SUN CREDIT FINANCIAL?
SUN CREDIT FINANCIAL is shorthand for SUN CREDIT FINANCE, with the company name being SUN CREDIT FINANCE Inc
Sun Credit Finance is dedicated to providing fair and transparent access to credit. Alpha Credit Finance uses AI, Big Data and Machine Learning to detect fraud and predict payment back. Financial emergencies can often occur unexpectedly - when that happens, there is typically little time to wait. Unexpected bills, large home or car repairs, necessary medical expenses or even holidays can cause a sudden need for additional money. OUR MISSION
SUN CREDIT 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 SUN CREDIT FINANCE.
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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 SUN CREDIT FINANCE:
Address:
- 1146 Kennebec Dr., Chambersburg, PA 1720
Website:
Email:
Phone:
Payments
SUN CREDIT FINANCE offers personal loans from $5,000 to $35,000 for various purposes including debt consolidation, emergency funds, vacations and other expenses. Customers can apply online and review their loan offer before accepting and receiving funds. There is no obligation to accept the loan offer and no fees associated with the service. There are no penalties for late or missed payments.
| Question | Answer |
|---|---|
| Do they offer a monthly payment plan? | Yes |
| Can I make payments over the phone? | No |
| 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? | No |
| Can I make a payment using a wire transfer? | Yes |
Forgiveness and Cancellation
SUN CREDIT FINANCE does not offer loan forgiveness. They do offer consolidation and emergency funds, as well as other types of loans. Customers can apply online and review offers before getting accepted funds. All credit types are accepted.
| Question | Answer |
|---|---|
| Do they offer loan forgiveness? | No |
| Do they offer loan consolidation? | Yes |
How to Apply
SUN CREDIT FINANCE provides fast access to personal loans from $5,000 to $35,000 for a variety of needs, including debt consolidation, emergency funds, home improvement, and travel. Customers can apply for a loan online or in person, and Sun Credit Finance accepts all types of credit scores.
| 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.
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 SUN CREDIT 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.
