What does AIRFORCE FCU mean on my credit report?

Learn about AIRFORCE FCU, an federal 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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AIRFORCE FCU is shorthand for Air Force Federal Credit Union, with the company name being Air Force Federal Credit Union

AIRFORCE FCU is a Federal 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 Air Force 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 account is classified under the following METRO2 categories:

  • ⚫ Collection Agency/Attorney
  • ⚫ Unsecured
  • ⚫ Auto
  • ⚫ Credit Card
  • ⚫ Auto Loan

How do I contact them?

Here is the current contact details for Air Force Federal Credit Union:


  • 1560 Cable Ranch Rd, STE 200
    San Antonio, TX 78245





To make a payment, you can use your Member Number. AFFCU’s routing number is 314085504. You can make payments over the phone by providing your Member Number. You can find your Member Number by logging into your account. There may also be fees associated with making payments over the phone. you can make payments online through the Digital Banking service. You will need your account number / member number to enroll or register. You can also use Bill Pay to pay bills from certain accounts, and eDocuments to access statements. AFFCU accepts payment via check or money order in addition to other digital payment options. you can make payments using AFFCU’s mobile app. You can make a loan payment at AFFCU using a wire transfer. Member Number and AFFCU’s routing number (314085504) is required for the payment.

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

AFFCU’s Digital Banking offers features such as loan payment skipping, free credit score monitoring, fraud alerts, bill pay, debit and credit card controls, biometric logins and more. However, loan forgiveness is not available. Loan consolidation is also not available. Loan forgiveness is typically available for students who demonstrate financial need and meet other requirements, such as maintaining satisfactory academic progress. To qualify, students must complete and submit their Free Application for Federal Student Aid (FAFSA) form each year, and may need to meet additional requirements depending on the loan type.

Question Answer
Do they offer loan consolidation? No

How to Apply

You can apply for a loan online, through AFFCU’s Digital Banking. You can also use the Bill Pay service and apply for a Home Equity Loan. The Ingram Financial Center is closing permanently on December 16th, but you can open an account or get a loan at AFFCU if you live, work, worship, or attend school in one of the specified counties in Texas or Mississippi. You can also explore featured rates and vehicle loans.

Question Answer
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? No
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.

AIRFORCE FCU 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 Federal 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 federal 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. The difference between a credit union and a federal is the fact that federal credit unions are federally insured.

How do I remove AIRFORCE FCU 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.