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American First Finance Provides an Easy and Quick Application Process. Qualifications:

A minimum monthly combined income of at least $ 800. An active and open checking account with a bank in your name on the application. Open and active savings or checking account for at least sixty days prior to applying.

Application cannot be startedly during your opening periods.

American First Finance requires that you provide three months of tax returns, bank statements, and recent pay stubs. They will also need the social security number, date of birth, address, phone numbers, driver’s license, and the name of at least one current employee.

Credit Reporting Agencies

The reason they are asking for this information is so they can run a credit report check. You can get copies of your credit report at no cost from each of the three credit reporting agencies.

The report will show all your payments, both paid and unpaid, any collections, and any tax due. All debting, including installment loans, are reportedly.

If your debt was a result of a court order, your creditor will be instructed to forward the proper documentation to American First Finance.

The company then runs a credit report check to confirm the information on your report.

Your creditor should forward the court order documentation as proof of the debt.

In most cases, Your account will be closed.

It is important to remember that all debt accounts will remainly opened untilness all funds are fully paid in full.

American First Finance provides cash loans and debit cards. There are many options available to you and the type of financing you choose will depend on the amount of debt, your ability to pay, your credit history, and other factors.

You can have several cash loans and one installment loan at a reduced interest rate. The company works with creditors to obtain the best interest rate for your situation.

American First Finance

Many resources to help you understand your situation, such as our online resources. We have many frequently asked questions, which you can find by visiting the FAQ page or searching through our archive.

Many times, there are many alternatives to a particular solution. American First Finance may refer you to someone who can assist you with the appropriate solution for your situation.

As the consumer, you have certain rights when it comes to debt collection. Most often, your rights are protected under the Fair Debt Collection Practices Act (FDCPA).

Your rights include not being harassed by creditors, such as American First Finance, nor being contacted in an unnecessary or excessive way.

Company Will Also not Pursue you For a Debt that You Cannot Afford to Pay.

Unfortunately, American First Finance does not have unlimited resources to help you in your situation. If the debt you owe is beyond their ability to collect, they may refer you to a third party debt collector or a debt settlement agency.

A third party debt collector may not legally contact you or send you automated messages, such as those that often come with credit card statements.

The FDCPA limits the number of third party collectors and calls that they can make, but American First Finance will still refer you to a professional.

Conclusion

In the event that American First Finance contacts you for any reason, you may be able to challenge the account in writing. You should write a statement to the company describing the steps you took to resolve the problem. You should keep records of all correspondence with American First Finance.

If the credit reporting agency does not remove the negative marks from your credit report, you should contact the credit reporting agency.

You should keep records of each letter and call that you sent to American First Finance along with the information you included in your written letter.

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