What does CAMPBEL EFCU mean on my credit report?

Is CAMPBEL EFCU making an impact on your credit score?

Updated January 1, 2023
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What is CAMPBEL EFCU?

CAMPBEL EFCU is shorthand for Campbell Federal Credit Union, with the company name being Campbell Federal Credit Union Inc

And as an owner, we’ll treat you with courtesy, respect, and friendly service in a family-friendly environment every time. Also, you will enjoy peace of mind knowing you’ve become part of a financial system established to serve you and your best interests.

CAMPBEL EFCU 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 Campbell 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:

  • ⚫ Credit Card

How do I contact them?

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

Address:

  • 494 Route 38 East, Maple Shade, NJ 08052

Website:

Email:

Phone:

Payments

your online account information is available only through access methods that have been rigorously tested for their secure access. Your Security Code should not be revealed to anyone, and all documents that include your account information should be kept in a secure location. they do not offer a monthly payment plan. your online account information is available only through access methods that have been rigorously tested for secure access and your Security Code should not be shared with anyone. Additionally, you should not write down your Security Code or leave it in the view of other users of your computer, and you should notify the credit union immediately if you notice any unusual account activity. payments cannot be made over the phone. transactions you perform on Online Banking are live and will instantly post to your account. they do not offer a discount for automatic payments. there are no other payment options such as using a check or money order. you can make a payment using a Mobile Banking App. there are no penalties for late or missed payments. wire transfers are not available through Online Banking.

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? No
Can I make a payment using a wire transfer? No

Forgiveness and Cancellation

Unless you share your password, no one else can access your account information online. loan consolidation is not offered. your online account information is available only through access methods that have been rigorously tested for their secure access and cannot be accessed by anyone else unless you share your password. To ensure privacy, do not reveal your security code, keep documents with account information in a secure location, and notify the credit union immediately if you notice any unusual account activity.

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

How to Apply

You can apply for a loan online using Campbell Federal Credit Union’s Online Banking services. Mobile Banking App, Mobile Deposit & CFCU Cards App are also available services that allow you to apply for a loan. You must visit a physical branch to 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? 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

IdentityIQ Report Example

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

CAMPBEL EFCU 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 CAMPBEL EFCU 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.