What does AL ST ECU mean on my credit report?

Learn about AL ST ECU, 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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What is AL ST ECU?

AL ST ECU is shorthand for ECU Credit Union, with the company name being ​ECU Credit Union

The credit union is administered by appointed officials from our field of membership, which elects them annually. Convenience services with competitive dividend and interest rates are the primary duty of the credit union; federal insurance of member deposits ensures safety for your account.

AL ST ECU 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 ECU 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:

  • ⚫ Auto Loan
  • ⚫ Auto

How do I contact them?

Here is the current contact details for ECU Credit Union:


  • P. O. Box 4818, Seminole, FL 33775-4818





ECU Credit Union offers a few options for payments. You can make a payment online, over the phone, or using a wire transfer. If you’re a member of the credit union, you can also use the Switch Kit to transfer payments. Note that there may be fees associated with some payment options.

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

ECU Credit Union offers loan applications, including to members and non-members. It is not stated whether loan forgiveness is offered. You can apply for a loan at ECU Credit Union, and they offer loan consolidation. To qualify for a loan forgiveness program, you must first become a member of the credit union. To become a member, you must fill out the application for membership and send in $25.00 with the application. You may not have to wait 90 days to join. To switch to ECU Credit Union, you can use the Switch Kit, which is free and available to all members.

Question Answer
Do they offer loan consolidation? Yes

How to Apply

You can apply for a loan online, over the phone, or in person. You do not need to be a member to apply for a loan, but you will need to become a member to access other services. You can get started by contacting the credit union and registering for Mobile Banking. Standard messaging charges may apply. ECU Credit Union offers a loan application process through a mobile app. 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

SmartCredit Report Example

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

AL ST ECU 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 AL ST ECU 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.