What does ALTAVISTA CU mean on my credit report?

Learn about ALTAVISTA CU, an federal 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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ALTAVISTA CU is shorthand for AltaOne Federal Credit Union, with the company name being AltaOne Federal Credit Union

The experience of being a member of Altan is very exciting for us because its strength, professional approach and cautious management has allowed the organisation to realise constant growth; today, Altaone’s assets exceed 600 million dollars and it serves more than 54, 000 members.

ALTAVISTA CU 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 AltaOne 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 account balance is $2300.

  • ⚫ The average high credit balance is $7400.

  • ⚫ The typical loan duration is 44 months.

The account is classified under the following METRO2 categories:

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

How do I contact them?

Here is the current contact details for AltaOne Federal Credit Union:


  • 701 South China Lake Boulevard, Ridgecrest, California 93555





To make a payment, you can use AltaOne Online Banking to setup an automatic payment to pay your AltaOne Visa Credit Card statement balance or full balance. If your CreateOne card is stolen, lost or damaged, you can get a new card. AltaOne Federal Credit Union offers a monthly payment plan. To get a payment refund, you will need to contact the company or institution from which you made the payment. They will provide you with the necessary steps to initiate a refund request. NA. you can make payments over the phone. you can make payments online. AltaOne Federal Credit Union offers an automatic payments feature, but does not advertise any associated discounts. other payment options such as checks and money orders are accepted. you can make a payment using a mobile app. There may be penalties for late or missed payments, depending on the terms of the account. It is best to check with your financial institution for more details on any associated penalties. you can make a payment using a prepaid debit card. you can make a payment using a wire transfer.

Question Answer
Do they offer a monthly payment plan? Yes
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

AltaOne offers student loans in partnership with Sallie Mae with competitive interest rates and multiple repayment options. They also offer loan consolidation for Vehicle Loans, Home Loans, Signature Loans, Credit Builder Loans, Share Secured Loans, and Education Loans. To qualify for loan forgiveness, you must contact the lender and make arrangements for repayment.

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

How to Apply

You can apply for a loan online through AltaOne Online Banking, using a mobile app, or with a cosigner.

Question Answer
Can I apply for a loan online? Yes
Can I apply for a loan over a phone call? No
Can I apply for a loan in person? No
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.

ALTAVISTA CU 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 ALTAVISTA 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.