What does AK USA FEDL CREDIT U mean on my credit report?

Is AK USA FEDL CREDIT U making an impact on your credit score?

Updated January 1, 2023
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What is AK USA FEDL CREDIT U?

AK USA FEDL CREDIT U is shorthand for Alaska USA Federal Credit Union, with the company name being Alaska USA Federal Credit Union

Alaska USA offers members with great rates on loans and deposits, along with lower fees for service. This commitment to individual membership’s financial wellbeing is what makes the Alaska USA experience greater than banking. Alaska USA has branches in Alaska, Arizona, California and Washington, and serves members living in all fifty U.S. states and internationally.

AK USA FEDL CREDIT U 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 Alaska USA Federal 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 Alaska USA Federal Credit Union:

Address:

  • Alaska USA Federal Credit Union
    P.O. Box 196613
    Anchorage, AK 99519-6613

Website:

Email:

Phone:

Payments

Alaska USA Federal Credit Union offers various payment options for loan accounts, such as online payments, payment by mail, direct payments from other Alaska USA members, and a monthly payment plan. There can be penalties for late or missed payments, such as additional late fees or potential damage to your credit score. The credit union’s routing number for wire transfers is 325272021.

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

How to Apply

You can apply for a loan online, over the phone, or in person at Alaska USA Federal Credit Union. You can also apply for a loan using a mobile app. You can apply for a loan with a cosigner, but different products may have different terms and conditions, and they may not be available in all states.

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.

AK USA FEDL CREDIT U 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 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 AK USA FEDL CREDIT U 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.