What does A+ FEDERAL CREDIT UNIO mean on my credit report?

Learn about A+ FEDERAL CREDIT UNIO, an credit union offering loans for financial assistance. Check the impact to your credit report and financial status.

Updated January 1, 2023
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A+ FEDERAL CREDIT UNIO is shorthand for A+ Federal Credit Union, with the company name being A+ Federal Credit Union LLC

By sharing its members’ knowledge, resources and products to meet long-term goals along with daily necessities, our Credit Union becomes stronger. Let’s be your Financial Advocate by becoming your Cooperative partner at all turns.

A+ FEDERAL CREDIT UNIO 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 A+ Federal 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 average account balance is $19000.

  • ⚫ The average high credit balance is $25000.

  • ⚫ The average monthly repayment is $400.

The account is classified under the following METRO2 categories:

  • ⚫ Recreational Merchandise
  • ⚫ Auto Loan

How do I contact them?

Here is the current contact details for A+ Federal Credit Union:


  • P.O. Box 14867 Austin, TX 78761 United States





To make a payment, use A+ Online Banking, Bill Pay, myFinance, Direct Deposit and Payroll Deduction, or Wire Transfers. A+ Federal Credit Union offers a monthly payment plan and auto-pay discounts. There are penalties for late or missed payments. For more information, please refer to the A+ Federal Credit Union Fee Schedule.

Question Answer
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

Forgiveness and Cancellation

A+ Federal Credit Union does not appear to offer loan forgiveness services, though they do offer other services such as personal loans, vehicle loans, home loans, credit cards, and more. A+ Federal Credit Union offers loan consolidation services. They provide personal loans, vehicle loans, home loans and home equity loans for loan consolidation. To qualify for loan forgiveness, you must meet certain requirements depending on the type of loan. For example, federal student loans may be eligible for forgiveness if you meet certain requirements, such as working in public service for 10 years and making 120 payments. For other loans, such as mortgages, you may need to contact your lender for more information.

Question Answer
Do they offer loan consolidation? Yes

How to Apply

A+ Federal Credit Union offers a range of personal credit services including credit cards, personal loans, vehicle loans, home loans and investments. You can apply for a loan online, over the phone, or in person. A+ Federal Credit Union also offers a mobile app which allows users to access banking services, including applying for loans. You can apply for a loan with a cosigner at A+ Federal Credit Union.

Question Answer
Can I apply for a loan online? 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

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 A+ FEDERAL CREDIT UNIO 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.