What does FIRST CENTENNIAL/DOVEN mean on my credit report?

Learn about FIRST CENTENNIAL/DOVEN, an mortgage provider offering loans for financial assistance. Check the impact to your credit report and financial status.

Updated January 1, 2023
Header image

What is FIRST CENTENNIAL/DOVEN?

FIRST CENTENNIAL/DOVEN is shorthand for First Centennial Mortgage Corporation, with the company name being First Centennial Mortgage Corporation Inc

The first edition of the album was released on May 26, 2010 in Japan, produced by Skrillex’s own label OWSLA Records and distributed by Transgressive Records worldwide.

FIRST CENTENNIAL/DOVEN is a Mortgage Provider. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with First Centennial Mortgage Corporation.

  • ⚫ 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 First Centennial Mortgage Corporation:

Address:

  • 2471 W. Sullivan Road Aurora, IL 60506

Website:

Email:

Phone:

Payments

You can make payments online, over the phone, or using a mobile app. You can also use a prepaid debit card, wire transfer, or check/money order. There is no monthly payment plan, but there is a discount for automatic payments. Late or missed payments may result in penalties.

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

Loan forgiveness and consolidation are two options available to those struggling to repay their student loans. Loan forgiveness may be an option if the borrower meets certain requirements, such as working in a public service job. Loan consolidation allows the borrower to combine multiple loans into one loan with a lower interest rate.

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

How to Apply

You can apply for a loan in person, over the phone, or online. Some loans may require 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? No
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.

FIRST CENTENNIAL/DOVEN 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.

What is a Mortgage Provider?

A mortgage provider is a financial institution or mortgage bank that offers and underwrites home loans. Lenders have specific borrowing guidelines to verify your creditworthiness and ability to repay a loan. They set the terms, interest rate, repayment schedule and other key aspects of your mortgage. They have the ability to report on your credit profile which will affect your credit score. They also can run hard and soft inquiries which will impact your credit score if not delt with. Mortgage Providers are not perfect and can still make mistakes in their reporting, so if it says that you have missed a payment and you haven’t then if you take the correct action you will be able to remove the late repayment from your credit profile.

How do I remove FIRST CENTENNIAL/DOVEN 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.