What does 1ST GTWAY CU mean on my credit report?

Updated January 1, 2023

What is 1ST GTWAY CU?

1ST GTWAY CU is shorthand for 1st gateway credit union, with the company name being 1st gateway credit union LLC

1ST GTWAY CU is a credit union provider. They could be on your report for a number of reasons, for example:

• ⚫ You missed a repayment.

• ⚫ You opened an account with 1st gateway credit union.

• ⚫ 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:

• ⚫ Auto

How do I contact them?

Here is the current contact details for 1st gateway credit union:

Address:

• 334 Washington St.

Website:

• 1stgateway.org

Email:

• eservices@1stgateway.org

Phone:

Payments

To make a payment, visit the payment page of the website, enter your payment information and follow the instructions on the page. Once complete, the payment will be processed. You can make payments over the phone. To make a payment using a mobile app. are convenient and secure ways to pay for goods and services using your phone. can add funds to the card from a variety of sources, including bank transfers, cash deposits, or direct deposits.

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?	Yes
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

At this bank, we offer loan forgiveness for certain circumstances. Our loan forgiveness program is available for specific loan types and is based on individual eligibility. To qualify for loan forgiveness, you must meet certain eligibility requirements. These requirements typically involve making a certain number of timely payments, having a certain type of loan, and being employed in a certain type of job. You may also have to meet other criteria, such as having a specific income level or being enrolled in a specific repayment plan. For more information, contact your loan servicer or visit the U.S. Department of Education’s website.ABC Bank offers loan consolidation. They provide flexible loan consolidation options and competitive interest rates. Customers can access online tools to help them decide the best loan consolidation option for their financial situation.

Question	Answer
Do they offer loan consolidation?	Yes

How to Apply

It is possible to apply for a loan in a variety of ways, including online, over the phone, or in person. Most banks and financial institutions offer multiple methods to apply for a loan, giving customers the convenience and flexibility to choose the option that best suits their needs. In some cases, a cosigner may be necessary.

Question	Answer
Can I apply for a loan online?	Yes
Can I apply for a loan over a phone call?	Yes
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

SmartCredit Report Example

• This is an example of what this creditor will look like on your SmartCredit 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 1ST GTWAY CU 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.

• Sample Equifax Dispute Letter
• Sample Experian Dispute Letter
• Sample TransUnion Dispute Letter