What does 1ST NOR CAL CU FKA CCF mean on my credit report?
Learn about 1ST NOR CAL CU FKA CCF, an credit union offering loans for financial assistance. Check the impact to your credit report and financial status.
What is 1ST NOR CAL CU FKA CCF?
1ST NOR CAL CU FKA CCF is shorthand for
1st Nor Cal Credit Union, with the company name being
1st Nor Cal Credit Union LLC
Thanks for your interest in 1st Nor’Cal Credit Union. We are a co-operative financial institution that has helped its members achieve their personal financial goals since 1949. We offer a broad range of products and services, supported byour commitment to the credit union principle “People Helping People”.
1ST NOR CAL CU FKA CCF 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 Nor Cal Credit Union.
⚫ 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 1st Nor Cal Credit Union:
- Mail Deposits and Payments to: 1st Nor Cal Credit Union, P.O. Box 509, Martinez, CA 94553-0144
- 1st Nor Cal Credit Union Supervisory Committee, P.O. Box 966, Martinez, CA 94553-0096
1st Nor Cal Credit Union offers loans with variable APRs subject to change, and vary based on credit qualifications. Payments can be made with a debit card, check, money order, wire transfer, or through the mobile wallet app. There are penalties for late or missed payments. You can make a payment online from your 1st Nor Cal Credit Union account or from an external account using the “Make A Loan Payment” button.
|Can I make payments over the phone?||Yes|
|Can I make payments online?||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|
How to Apply
You can apply for a loan online, over the phone, or in person. To apply for a loan online, you must be 18 years old or older. The APR, maximum term, maximum loan amount, and advance amount vary based on credit qualifications. To apply for a loan over the phone, you must be 18 years or older, and the rate, maximum term, and maximum loan amount are based on credit qualifications. Fees may apply for Cash Advance transactions. You can also apply for membership and view current loan rates online. 1st Nor Cal Credit Union also offers @ccessMobile Banking Apps for Android OS 4.0 or higher and iOS devices (iPhone, iPad, iPod Touch). The apps are free to use and offer features such as viewing account balances, transferring funds between accounts, scheduling bill payments, and finding the closest 1st Nor Cal Credit Union ATM or Branch. You can apply for a loan with a cosigner if you need help qualifying for the loan or if you want better loan terms and interest rates. Some lenders that offer loans with cosigners include LightStream, LendingClub, OneMain Financial, Santander Bank, N.A, and Old National Bank. You can also use LendingTree, a loan marketplace, to prequalify with multiple lenders and compare offers.
|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?||Yes|
|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.
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 Credit Union
A credit union is similar to a bank, however it is owned collectively by the members and does not operate on a for-profit basis. Many credit unions are able to provision credit and issue credit cards, which may report on your credit report. Due to the none-profit nature of credit unions they are generally more trusted by the public, as they are less likely to act in a malicious fashion. However, credit unions can still make mistakes with reporting on your credit report therefore being aware of what is being reported, and take action against any unfair reporting.
How do I remove 1ST NOR CAL CU FKA CCF 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.