What does AMARILLO COMMUNITY FCU mean on my credit report?

Learn about AMARILLO COMMUNITY FCU, 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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AMARILLO COMMUNITY FCU is shorthand for Amarillo US Employees Federal Credit Union, with the company name being Amarillo U.S. Employees Federal Credit Union

We started letting certain employee groups join with us in the early 80s, until we got a community charter in 1988 which allowed us to convert into a community credit union serving three rural counties. Our biggest service change happened in March 1998 when our charter was amended to cover all members of Amarillo Community Federal Credit Union; this is also the time we renamed ourselves Amarillo Federal Credit Union.

AMARILLO COMMUNITY 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 Amarillo US Employees 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 account is classified under the following METRO2 categories:

  • ⚫ Auto Loan
  • ⚫ Auto
  • ⚫ Unsecured

How do I contact them?

Here is the current contact details for Amarillo US Employees Federal Credit Union:


  • 900 North Hobart
    Pampa, Texas 79065





There are multiple options to make a payment with ACFCU, including debit or credit cards, student loans, recreational, personal, vehicle, or home loans. Customers can also use Zogo or Zelle. ACFCU also offers a rewards program and offers guidance on their home loan process. For more information, customers can contact ACFCU at 806-358-7561.

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

ACFCU does not offer loan forgiveness, but does offer loan consolidation. To qualify for loan forgiveness, applicants may need to meet certain criteria, such as demonstrating financial need, making payments on time, and/or providing proof of income. It is also important to meet the requirements for any specific loan program.

Question Answer
Do they offer loan consolidation? Yes

How to Apply

ACFCU provides an online loan application process and offers different types of loans, such as student loans, recreational loans, personal loans, vehicle loans, and home loans. They also offer other financial services, such as identity theft protection, mortgage rates, deposit rates, and rewards programs. You can contact ACFCU at 806.358.7561 to apply for loans, and you can also apply in person at any ACFCU location. ACFCU offers a mobile app which can be used to apply for loans, and you can also apply for a loan with a cosigner. ACFCU staff are friendly and helpful, and they guide customers through an easy loan process.

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.


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 AMARILLO COMMUNITY 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.