What does TIDALWAVE FINANCE CORP mean on my credit report?

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

Updated January 1, 2023
Header image


TIDALWAVE FINANCE CORP is shorthand for Tidalwave Finance Corporation, with the company name being Tidalwave Finance Corporation Inc

With more than 100 years of experience from the automotive financng industry, the Tidalwave team is driven to exceeding industry standards in all aspects. We are committed to understanding the needs of our customers and are dedicated to helping them get on the road towards improved credit. Tidalwave has been active in California for 13 years in the provision of non prime automobile financing services. We continue to expand our presence in the state to help those in need of specialty car financing. We proudly boast exceptional quality of service and outstanding commitment and compassion for our customers.

TIDALWAVE FINANCE 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 Tidalwave Finance Corporation.

  • ⚫ 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:

  • ⚫ Auto
  • ⚫ Auto Loan

How do I contact them?

Here is the current contact details for Tidalwave Finance Corporation:


  • 1560 W Brookhollow Dr. Suite 201 Santa Ana CA 92705





Customers can make payments over the phone, online, through a mobile app, or in person using PayNearMe or MoneyGram. Checks and money orders can also be mailed in. There are penalties for late or missed payments. Additional fees may apply.

Question Answer
Do they offer a monthly payment plan? No
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

Tidalwave Finance does not offer loan forgiveness or consolidation. Tidalwave offers several payment options such as Debit Card, check payments, online payments, PayNearMe and MoneyGram. Additional fees may apply for some payment options.

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

How to Apply

Tidalwave Finance offers online loan application and payments, as well as the option to use PayNearMe or MoneyGram. Customers can also payoff their loans by calling customer service or emailing inquiries@tidalwavefinance.com.

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? Yes
Can I apply for a loan with a cosigner? Yes

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 TIDALWAVE FINANCE 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.