Student Loans And Credit Scores Flagstaff AZ

A financial expert explains how your current debt load can affect your ability to borrow money.

Chase - East Flagstaff Branch
(877) 682-4273
4830 North Highway 89
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Wells Fargo - Flagstaff Mall Branch
(866) 245-3452
4650 N Hwy 89 D3
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Chase - Flagstaff Milton Road Branch
(877) 682-4273
1484 South Milton Road
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $35.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM. (Fee does not apply to all accounts.)
Services
Mobile & Text Banking, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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BBVA Compass Bank - Flagstaff Downtown Branch
(800) COM-PASS
2 East Birch Avenue
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $20.00. See institution about how these monthly fees can be waived.
ATM Fee Rebate Noe: BBVA Compass Bank rebates ATM Surcharge Fees. Contact the institution for details.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Wells Fargo - Flagstaff Branch
(866) 245-3452
1200 South Milton Road
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

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Bank of America - Flagstaff Mall Branch
(800) 432-1000
4550 North Us Highway 89
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Wells Fargo - East Flagstaff Branch
(866) 245-3452
2625 North Fourth Street
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
Bank of America - Flagstaff Downtown Branch
(800) 432-1000
125 East Birch Street
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Wells Fargo - So. Woodlands Village Branch
(866) 245-3452
2700 So. Woodlands Village Boulevard
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $30.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.50 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Free Checks, Unlimited Checks

Data Provided by:
Bank of America - Flagstaff Woodlands Branch
(800) 432-1000
2625 South Woodlands Village Boulevard
Flagstaff, AZ
ATM Fees
monthly fee: Monthly service fees range from $0 to $25.00. See institution about how these monthly fees can be waived.
ATM fee note: There is a $2.00 fee each time you use a non-affiliated ATM.
Services
Mobile & Text Banking, Debit Reward Programs, Overdraft Protection, Email Alerts, Online Bill Pay, Activity Download, Free Checks, Unlimited Checks

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Student Loans And Credit Scores

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Q: Will having student loans (currently deferred) totaling $50,000 - $80,000 negatively affect my credit score or my ability to get a mortgage? Also, I recently got reports from "the big three" credit reporting agencies, which indicated a number of open credit card accounts with zero balances. Would it positively affect my credit score to close those accounts officially?

Lastly, I'm currently disputing some of my negative reports with all 3 agencies. If one agency deletes one or more of my 'bad' accounts from file, do the other two automatically delete it from their files, if the same account has been reported to more than 1 agency? If not, what can I do?

MS: Yes, having an outstanding debt load of up to $80,000 will certainly affect your ability to obtain more debt in the form of a mortgage loan. There are many other factors that will be considered, such as your income, job stability, other debts, payment history, value of the home you are seeking a loan to buy, and more. Closing accounts may or may not positively affect your credit score, depending on your total number of accounts, other debts, etc.

Often, closing unused accounts can improve your score, but you must make sure when you close an account that your credit reports are noted as "accounts closed by client" so that future lenders realize it was your decision and not the creditor's decision to close the accounts. You must make sure each bureau updates your report. They are all independent of each other, and just because one bureau updates does not mean all three will automatically update the information....


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