What does CES/STHEA mean on my credit report?
Is CES/STHEA making an impact on your credit score?
What is CES/STHEA?
CES/STHEA is shorthand for
CES College, with the company name being
CES College Inc
The college strives to make sure that each student can afford an education, by maintaining its own high levels of financial help and qualifying students receive no payment during their time there. CES College has been approved by the U.S. Department of Education to provide financial support for those who meet its requirements.
CES/STHEA is a
Collections Agency provider. They could be on your report for a number of reasons, for example:
- ⚫ You missed a repayment.
- ⚫ You opened an account with CES College.
- ⚫ CES College bought your debt and are now trying to collect on it.
- ⚫ 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:
- ⚫ Education
How do I contact them?
Here is the current contact details for CES College:
- 401 South Glenoaks Blvd Suite 211 Burbank, CA 91502
|Do they offer a monthly payment plan?||No|
|Can I make payments over the phone?||No|
|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 wire transfer?||Yes|
Forgiveness and Cancellation
both loan forgiveness and consolidation are available through the website. Qualification for loan forgiveness requires a certain amount of time spent working in public service.
|Do they offer loan forgiveness?||No|
|Do they offer loan consolidation?||No|
How to Apply
You can apply for a loan in person, online, or over the phone. You may also be able to apply for a loan using a mobile app. You may be able to apply for a loan with a cosigner.
|Can I apply for a loan over a phone call?||No|
|Can I apply for a loan in person?||No|
IdentityIQ Report Example
- This is an example of what this creditor will look like on your 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 Collections Agency?
Collection agencies appear on your report when a company has failed to collect an outstanding debt. If a creditor has sent your debt to collections, they expect to receive only a portion of any money collected. For them, this is preferable to receiving nothing at all continuing the process of trying to collect your debt themselves. However due to the agressive nature of some collection agencys, you may feel threatened or harrassed by them. However, the good news is that if they inaccurately reported your debt and you take the correct credit repair action, there is a good chance that you will not have to repay and inaccurately reported debt.
How do I remove CES/STHEA 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.