What does ALOHA PACIF mean on my credit report?

Is ALOHA PACIF making an impact on your credit score?

Updated January 1, 2023
Header image

What is ALOHA PACIF?

ALOHA PACIF is shorthand for Aloha Pacific Federal Credit Union, with the company name being Aloha Pacific Federal Credit Union

The mission of Aloha Pacific FCU is to build lasting relationships, a mission that has guided them since their founding 85 years ago. How much the world has changed! Now automobiles are crowding out the electrical street cars in Honolulu.

ALOHA PACIF 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 Aloha Pacific 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 Aloha Pacific Federal Credit Union:

Address:

  • P.O. Box 1377
    Aiea, HI 96701

Website:

Email:

Phone:

Payments

To make a payment, contact Aloha Pacific Federal Credit Union by phone at 808-531-3711 or toll-free at 1-877-531-3711, or use their routing number 321379148. Aloha Pacific Federal Credit Union offers a variety of loan and payment options, such as their Special Personal Term Loan and Home Equity Line of Credit. Contact Aloha Pacific Federal Credit Union by phone at 808-531-3711 or toll-free at 1-877-531-3711 and provide your routing number (321379148) to initiate a payment refund request. you can make payments over the phone by calling 808-531-3711 or toll-free 1-877-531-3711. You will need to provide the credit union’s routing number, 321379148. you can make payments online through Aloha Pacific Federal Credit Union’s routing number: 321379148. Aloha Pacific Federal Credit Union does not offer a discount for automatic payments. other payment options such as using a check or money order are available. Aloha Pacific Federal Credit Union offers mobile payment options through its online and mobile banking services. Late or missed payments may result in penalty fees or other charges being applied to your account. NA you can make payments using a prepaid debit card. you can make a payment using a wire transfer. You can find instructions on how to send a wire transfer to your credit union account by searching the FAQs for Aloha Pacific Federal Credit Union. The routing number for direct deposits and bill payments is 321379148.

Question Answer
Do they offer a monthly payment plan? No
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

Aloha Pacific Federal Credit Union does not offer loan forgiveness. However, they do offer loan consolidation services and accounts are federally insured up to the federal limit.

Question Answer
Do they offer loan consolidation? Yes

How to Apply

It is possible to apply for a loan online, over the phone, or in person at Aloha Pacific Federal Credit Union. A cosigner may be used. The credit union’s routing number is 321379148.

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.

ALOHA PACIF 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 ALOHA PACIF 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.