What does AZ CNTRL CU mean on my credit report?

Is AZ CNTRL CU making an impact on your credit score?

Updated January 1, 2023
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What is AZ CNTRL CU?

AZ CNTRL CU is shorthand for Arizona Central Credit Union, with the company name being Arizona Central Credit Union

The tournament took place from 7-9 September 2014 at the PBA Hall of Famer Alun Jones' home ground in San Francisco, California against the Arizona Heat.

AZ CNTRL 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 Arizona Central 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 $300.

  • ⚫ The average high credit balance is $6600.

  • ⚫ The typical loan duration is 30 months.

  • ⚫ The average monthly repayment is $100.

The account is classified under the following METRO2 categories:

  • ⚫ Auto
  • ⚫ Unsecured
  • ⚫ Credit Card
  • ⚫ Secured
  • ⚫ Auto Loan

How do I contact them?

Here is the current contact details for Arizona Central Credit Union:

Address:

  • 2020 N Central Ave STE 100, Phoenix, AZ 85004, United States

Website:

Email:

Phone:

Payments

The credit union website, eBRANCH, allows you to use a personal computer, smart phone, or tablet with an internet connection to conduct banking online. You can make payments online, through a mobile app, using a prepaid debit card, or through a wire transfer. Making a payment is not one of the features available through eBRANCH, nor do they offer a monthly payment plan. You cannot get a payment refund through eBRANCH, but you can make payments over the phone. There are no other payment options such as using a check or money order. Late or missed payments do not incur any penalties.

Question Answer
Do they offer a monthly payment plan? No
Can I make payments over the phone? No
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

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

How to Apply

You can apply for a loan online via eBRANCH, the credit union website. You cannot apply for a loan over the phone or in person. Applying for a loan does not require 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? No

SmartCredit Report Example

  • This is an example of what this creditor will look like on your SmartCredit report.

AZ CNTRL 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 AZ CNTRL 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.