What does WILKES FIN mean on my credit report?

Learn about WILKES 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 WILKES FIN?

WILKES FIN is shorthand for Wilkes Finance, with the company name being Wilkes Finance Inc

WILKES 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 Wilkes Finance.

  • ⚫ You opened a credit card / loan / mortgage with this company.

  • ⚫ Someone fraudulently opened a credit line under your name.

About the account

  • ⚫ The average account balance is $100.

  • ⚫ The average high credit balance is $2100.

  • ⚫ The typical loan duration is 28 months.

The account is classified under the following METRO2 categories:

  • ⚫ Collection Agency/Attorney

How do I contact them?

Here is the current contact details for Wilkes Finance:

Address:

  • 4780 Jonesboro Road Suite A Union City, GA 30291

Website:

Email:

Phone:

Payments

Wilkes Finance Corporation offers loans for unexpected bills, medical/dental needs, gifts & seasonal cash needs, automobile purchases, recreational activities, home improvements, and bill consolidation. Customers can come into one of the branch locations, speak to the staff, and receive a payment refund. Wilkes Finance offers payment options over the phone and at their four branch locations in metro Atlanta, Georgia. The company also offers the ability to make payments online through their many branch locations. Wilkes Finance offers mobile app payments and have 4 branch locations in Metro Atlanta, Georgia to assist with special needs. There are no penalties specified for late or missed payments on their website.

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

Wilkes Finance does not offer loan forgiveness, but offers loan consolidation instead. There is no information provided on how to qualify for loan forgiveness.

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

How to Apply

Wilkes Finance Corporation offers loans that can be applied for online, over the phone, or in person at one of their four branch locations in Metro Atlanta, Georgia. They offer financing for unexpected bills, medical/dental needs, gifts, automobile purchases, recreational needs, home improvements, and bill consolidation. Loans can be applied for with or without 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? Yes

IdentityIQ Report Example

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

WILKES 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 WILKES 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.