What does CAMPUS USACU mean on my credit report?

Learn about CAMPUS USACU, an credit union offering loans for financial assistance. Check the impact to your credit report and financial status.

Updated January 1, 2023
Header image


CAMPUS USACU is shorthand for CAMPUS USA Credit Union, with the company name being CAMPUS USA Credit Union Inc

“All of these options are available from any credit union branch or through its online banking system, subject to membership requirements and minimum balance maintenance fees.

CAMPUS USACU 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 CAMPUS USA 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 $2400.

  • ⚫ The typical loan duration is 20 months.

The account is classified under the following METRO2 categories:

  • ⚫ Credit Card
  • ⚫ Collection Agency/Attorney
  • ⚫ Unsecured

How do I contact them?

Here is the current contact details for CAMPUS USA Credit Union:


  • P.O. Box 147029, Gainesville, FL 32614





To make a payment, sign into your account and select the payment option. Enter the payment amount and select your payment method. Review and confirm your payment and submit. To get a payment refund, contact the seller or service provider for instructions on how to receive the refund. Most sellers offer refunds for returns that meet their return policies. You can make payments over the phone by calling our customer service line and providing your payment information. You can make payments online. Many websites accept credit and debit cards, digital wallets, or other payment methods to make payments quickly and securely. Customers can choose to pay with a check or money order. Payment should be sent to the address provided in the invoice. Many companies offer mobile apps that allow customers to make payments through the app. The apps usually process the payments securely and allow customers to view their transactions and payment histories. There are penalties for late or missed payments. Financial institutions charge late fees for payments that are received after the due date indicated on the statement. In addition, missed payments may affect a customer’s credit score and can result in additional interest fees or other costs. Prepaid debit cards can be used to make payments in place of other forms of payment such as cash or checks. Prepaid debit cards are preloaded with a certain amount of money and can be used in place of other forms of payment. They are accepted at many merchants and online retailers. You can make a payment using a wire transfer. Wire transfers are a secure and fast way to transfer funds from one bank account to another. They usually take less than three business days to process.

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

loan forgiveness is not offered. their loan consolidation program offers a variety of options to help you consolidate multiple loans into one lower monthly payment. We have competitive rates and flexible terms to meet your needs. loan forgiveness requires a specific set of circumstances. Typically, loan forgiveness requires a borrower to make a certain number of on-time payments and/or to meet certain requirements related to their employment, income, or other criteria. Additionally, certain loan forgiveness programs may have specific rules that must be followed in order to qualify.

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

How to Apply

You can apply for a loan in person, online, or over the phone. Many lenders also offer mobile applications to streamline the loan application process. You may be able to increase your chances of getting approved for a loan by applying 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? 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.

CAMPUS USACU 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 CAMPUS USACU 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.