What does UNIFOUR FIN mean on my credit report?

Learn about UNIFOUR 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 UNIFOUR FIN?

UNIFOUR FIN is shorthand for Unifour Financial Services, with the company name being Unifour Financial Services Inc

UNIFOUR 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 Unifour Financial Services.

  • ⚫ 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

How do I contact them?

Here is the current contact details for Unifour Financial Services:

Address:

  • 858 13th St Pl SW, Hickory, NC 28602, United States

Website:

Email:

Phone:

Payments

ASNPayments.com offers a variety of payment options including ACH (checks), Visa, MasterCard, Discover, American Express, and wire transfer. Customers can also set up recurring payments (AutoPay) and log in from any internet-connected device to make a payment, check their balance, or set up payment accounts.

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? Yes
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

Loan forgiveness is not explicitly stated as an offering. they offer loan consolidation and they provide customers with the tools to set up recurring payments and keep up to date with insurance expiration. to qualify for loan forgiveness, customers must create an online account and set up their payment accounts. They should set up recurring payments (AutoPay) and make their payments on time to improve their credit score. Contact us for more information regarding pricing options and services.

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

How to Apply

Customers can apply for a loan online, over the phone, or in person. They will need to provide some personal information and set up their payment accounts. Customers can also use the mobile app or website to make recurring payments and track their credit score.

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

SmartCredit Report Example

  • This is an example of what this creditor will look like on your SmartCredit report.

UNIFOUR FIN 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 UNIFOUR 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.