What does CALIFORNIA CREDIT UNIO mean on my credit report?

Learn about CALIFORNIA CREDIT UNIO, an 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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CALIFORNIA CREDIT UNIO is shorthand for California Credit Union, with the company name being California Credit Union Inc

We have happily served our members for more than 85 years when they joined us as one of our growing number of branches throughout southern California. With approximately 4 billion dollars in total assets and 25 offices we are proud to be part of their credit union family.

CALIFORNIA CREDIT UNIO 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 California 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 California Credit Union:


  • P. O. Box 37035, Boone, IA 50037-0035





You can make a payment by visiting a branch location, using their online chat, or utilizing their mobile banking app. North Island Credit Union offers a variety of payment plans, including those for personal checking, savings accounts, auto loans, and business checking. Debit card transaction disputes can be submitted anytime, anywhere, 24/7 from the CCU Mobile App and payments, deposits and correspondence can be sent by U.S. Mail. North Island Credit Union offers the ability to make payments over the phone, as well as through their digital and mobile banking applications. Other payment options such as checks and money orders are available at North Island Credit Union. Late or missed payments may result in penalties or other fees.

Question Answer
Do they offer a monthly payment plan? Yes
Can I make payments over the phone? Yes
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

North Island Credit Union does not offer loan forgiveness. They do offer loan consolidation. Qualifications for loan forgiveness vary depending on the type of loan and other criteria. Some loan forgiveness programs are available for federal student loans, while others are available for private loans. You should check with your lender for specific qualifications for loan forgiveness.

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

How to Apply

You can apply for a loan online, over the phone, or in person through North Island Credit Union. You can also apply for a loan using a mobile app. North Island Credit Union offers digital, mobile and 24-hour telephone banking, along with ATMs, and provides a mobile banking app to stay connected to your accounts wherever you go. You can also apply for a loan with a cosigner.

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.


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 CALIFORNIA CREDIT UNIO 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.