What does ALL IN CU mean on my credit report?

Is ALL IN CU making an impact on your credit score?

Updated January 1, 2023

What is ALL IN CU?

ALL IN CU is shorthand for All In Credit Union, with the company name being All In Credit Union

ALL IN CU 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 All In 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 average account balance is $9900.

  • ⚫ The average high credit balance is $12200.

  • ⚫ The typical loan duration is 22 months.

  • ⚫ The average monthly repayment is $100.

The account is classified under the following METRO2 categories:

  • ⚫ Secured
  • ⚫ Collection Agency/Attorney
  • ⚫ Unsecured
  • ⚫ Auto Loan

How do I contact them?

Here is the current contact details for All In Credit Union:

Address:

  • PO Drawer 8
    Daleville, AL 36322

Website:

Email:

Phone:

Payments

To make a payment, you can contact All In Credit Union’s Contact Center Representatives, available to take your call from 7:30am to 8:00pm CST Monday through Friday, via phone, fax, email, or Video Banking. You can also make an appointment for an in-person visit. For Debit and Credit Card payments, you can call 888.918.7739 (Lost/Stolen Debit Cards) or 800.449.7728 (Lost/Stolen Credit Cards). Other payment options, such as using a check or money order, are available. There are no penalties for late or missed payments, although there may be certain fees associated with other services.

Question Answer
Do they offer a monthly payment plan? No
Can I make payments over the phone? Yes
Can I make payments online? Yes
Do they offer a discount for automatic payments? No
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

both loan forgiveness and consolidation are available. To qualify, you must make 120 on-time, full payments.

Question Answer
Do they offer loan forgiveness? No
Do they offer loan consolidation? No

How to Apply

There are many ways to apply for a loan, including online, over the phone, in person, and using a mobile app. In some cases, a cosigner may be required.

Question Answer
Can I apply for a loan over a phone call? No
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.

ALL IN CU 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 ALL IN CU 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.