What does TRIAD FIN mean on my credit report?

Learn about TRIAD FIN, 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 TRIAD FIN?

TRIAD FIN is shorthand for Triad Financial Services, with the company name being Triad Financial Services Inc

For more than fifty years, Triad Financial Services, Inc. has offered exceptional services in lending to help home buyers realize their dream. Triad Financial Services, Inc., headquartered in 1959, is the oldest mortgage lender in the region still around today. Following the acquisition in 1975 by Don Senior, Jr., Triad enjoyed unprecedented growth after having been a small, local player for many years. I am proud to say that over the past fifty years we have grown our company because we offer a simple, profitable lending program to manufactured home dealers.

TRIAD FIN 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 Triad Financial Services.

  • ⚫ 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 Triad Financial Services:


  • 13901 Sutton Park Drive South, Suite 300 Jacksonville, FL 32224





Triad Financial Services, Inc. offers the ability to make payments online and through a mobile app. Payments can be made using a credit card, debit card, or ACH. There are no other payment options and no penalties for late or missed payments.

Question Answer
Do they offer a monthly payment plan? No
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? No

Forgiveness and Cancellation

Triad Financial Services does not offer loan forgiveness or consolidation. Qualifying for loan forgiveness does not require a home to be on permanent foundation. It allows financing for homes on rental land, in parks, leased property or family land with up to 95% LTV on a primary residence purchase. Homeowners insurance is required and other closing fees may be charged. It typically takes 2-3 weeks for a home-only loan and 4-5 weeks for a land/home loan. A survey and termite letter may also be required.

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

How to Apply

To apply for a loan with Triad Financial Services, you must contact an approved dealer. The loan process usually takes two to three weeks for home-only and four to five weeks for land/home and closing fees will vary depending on the loan program and state. Triad Financial Services offers competitive loan terms, including up to 95% LTV on a primary residence purchase and can finance closing cost on top of the 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? No
Can I apply for a loan using a mobile app? Yes
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.

TRIAD FIN 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 TRIAD FIN 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.