What does TAM/SPEARSDH mean on my credit report?
Learn about TAM/SPEARSDH, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is TAM/SPEARSDH?
TAM/SPEARSDH is shorthand for Spears Dewitt & Hall, with the company name being Spears Dewitt & Hall Inc
TAM/SPEARSDH 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 Spears Dewitt & Hall.
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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.
About the account
The account is classified under the following METRO2 categories:
- ⚫ Collection Agency/Attorney
How do I contact them?
Here is the current contact details for Spears Dewitt & Hall:
Address:
- 4115 Medical Dr #410, San Antonio, TX 78229, United States
Website:
Email:
Phone:
Payments
It is possible to make payments in several ways: online, over the phone, or using a mobile app. You can also use a prepaid debit card or wire transfer. There may be penalties for late or missed payments. For more information, you can call 1-877-404-9551 or use Live Online Chat Support.
| 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
they do not offer loan consolidation. You may qualify for loan forgiveness if you work for a qualifying employer or if you serve in a qualifying role.
| Question | Answer |
|---|---|
| Do they offer loan consolidation? | No |
How to Apply
You can apply for a loan online. You can also make payments online and have access to live online chat support. You cannot apply for a loan over a phone call, in person, or using a mobile app. You also cannot apply for a loan with a cosigner.
| 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? | No |
SmartCredit Report Example
- This is an example of what this creditor will look like on your SmartCredit 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 TAM/SPEARSDH 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.