What does ALOHA PACIFIC FCU mean on my credit report?
Learn about ALOHA PACIFIC FCU, an federal credit union offering loans for financial assistance. Check the impact to your credit report and financial status.
What is ALOHA PACIFIC FCU?
ALOHA PACIFIC FCU 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 PACIFIC 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 Aloha Pacific 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 average high credit balance is $12500.
⚫ The typical loan duration is 28 months.
The account is classified under the following METRO2 categories:
- ⚫ Secured
- ⚫ Unsecured
How do I contact them?
Here is the current contact details for Aloha Pacific Federal Credit Union:
- P.O. Box 1377
Aiea, HI 96701
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.
|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.
|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.
|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.
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 PACIFIC 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.