What does ACADIAN CR mean on my credit report?

Learn about ACADIAN CR, 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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ACADIAN CR is shorthand for Acadian Credit Union, with the company name being Acadian Credit Union

ACADIAN CR 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 Acadian 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 Acadian Credit Union:


  • 122 Acadian Cr., Tupelo, Mississippi 38801





You can make a payment by using a credit or debit card, PayPal, or other payment method. You can also set up automatic payments if you’d like. The company offers a monthly payment plan. Customers can choose from a variety of payment options, including monthly installments. To get a payment refund, first contact the seller and explain why you are requesting a refund. If they agree to the refund, they will provide you with instructions on how to proceed. In some cases, you may need to provide proof of purchase or other documentation. Once you have followed these instructions and received confirmation from the seller, the refund will be processed. you can make payments over the phone. Most companies provide a toll-free number for customers to call and make payments using their credit card or other payment methods. you can make payments online. Most online stores and payment processors accept major credit cards as well as PayPal and other forms of online payment. Some stores also allow you to pay with cryptocurrency. we offer a 10% discount for customers who set up automatic payments. customers can pay for their orders with a check or money order in addition to other payment options. Yes. Many financial institutions now offer mobile apps that allow you to make payments directly from your phone. These apps allow you to securely store payment information, pay bills, and make purchases without having to enter payment information each time. there are penalties for late or missed payments. Most lenders will assess late fees, penalty interest, and other charges for late or missed payments, which can result in a significant increase in the total amount owed. Additionally, failure to make payments may affect an individual’s credit score. you can make payments using a prepaid debit card. It is an easy and convenient way to make payments without using cash or a credit card. To use a prepaid debit card, you must first load the card with funds. After the funds are loaded, you can use the card to make purchases and payments just as you would with a regular debit card. you can make a payment using a wire transfer. Wire transfers are one of the most secure, convenient and cost-effective ways to send money. They are typically used for larger payments and require both the sender and recipient to have a bank account.

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

Citizens Bank offers loan forgiveness through its Student Loan Refinancing program. Borrowers who refinance their student loans with Citizens Bank may qualify for loan forgiveness, depending on the type of loan, their academic history and the repayment term.ABC Financial Services offers loan consolidation services. They provide various solutions to meet customers’ needs and work with them individually to develop tailored solutions that best fit their financial situation.Loan forgiveness may be available to borrowers who meet certain qualifications. Generally, borrowers must be enrolled in a qualifying repayment plan, make consistent, on-time payments for a set period of time, and meet other requirements determined by the loan servicer. The specifics of loan forgiveness vary by program. Qualifying programs include the Public Service Loan Forgiveness Program, the Teacher Loan Forgiveness Program, and the Student Loan Rehabilitation Program.

Question Answer
Do they offer loan consolidation? Yes

How to Apply

You can apply for a loan online, over the phone, in person, or using a mobile app. Most banks and financial institutions offer loan applications through their websites, allowing you to complete the application process virtually. However, you may need to arrange a meeting with a loan officer or other representative for an in-person interview and to sign loan documents. You can apply for a loan with a cosigner.

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

IdentityIQ Report Example

  • This is an example of what this creditor will look like on your IdentityIQ report.

ACADIAN CR 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 ACADIAN CR 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.