What does ADP FEDERAL CREDIT UNI mean on my credit report?

Learn about ADP FEDERAL CREDIT UNI, 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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ADP FEDERAL CREDIT UNI is shorthand for UNIFY Financial Credit Union, with the company name being UNIFY Financial Credit Union

When joining the UNIFY team, you do not simply accept a job, but instead take on a career to create the best version of yourself at UNIFY. We believe that our team is much more than a paycheck-we are Always Better Together! With mutual respect and cooperation, we provide an excellent bank service for our members.

ADP FEDERAL CREDIT UNI 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 UNIFY Financial 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:

  • ⚫ Credit Card

How do I contact them?

Here is the current contact details for UNIFY Financial Credit Union:


  • 20305 Anza Avenue
    Torrance, CA 90503





UNIFY Financial Credit Union offers a variety of electronic payment services, many of which are free. Payment options include online payments, phone payments, check or money order, wire transfer, and prepaid debit card. A late fee or penalty may be assessed for missed payments.

Question Answer
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

There are several options for paying off student loan debt faster, such as loan consolidation and refinancing, paying more than the minimum, making an extra payment each year, living with parents, getting frugal, side hustling, and using extra windfalls and bonuses towards the loans. However, loan consolidation and refinancing may result in the loss of some of the benefits like income-driven repayment plans and loan forgiveness. Do the math and weigh the benefits. Loan forgiveness is possible through UNIFY Financial Credit Union through their consumer loans and mortgage loans services.

Question Answer
Do they offer loan consolidation? Yes

How to Apply

You can apply for a loan at UNIFY Financial Credit Union through its website, mobile app, or by calling. You may also apply in person, and may require 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

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.

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 ADP FEDERAL CREDIT UNI 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.