What does CENTRAL SUSQUEHANNA CO mean on my credit report?

Is CENTRAL SUSQUEHANNA CO making an impact on your credit score?

Updated January 1, 2023
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What is CENTRAL SUSQUEHANNA CO?

CENTRAL SUSQUEHANNA CO is shorthand for Central Susquehanna Community Federal Credit Union, with the company name being Central Susquehanna Community Federal Credit Union Inc

Providing excellent services for our members continues to be very important to us.Our Danville branch is currently situated at 532 East Market Street,and as a member of CSC Federal Credit Union,you will have equal voting power and be able to elect the members of our Volunteer Board of Directors and supervisory committee.Below are lists of our currently elected volunteers,as well as CSC FCU staff.If you need further information,please contact CSC FCU via email at infocommunications@cscfederal.orgor phone the Danville Branch at (570) 275-3300.

CENTRAL SUSQUEHANNA CO 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 Central Susquehanna Community Federal 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 Central Susquehanna Community Federal Credit Union:

Address:

  • 530 East Market Street, Danville, PA 17821

Website:

Email:

Phone:

Payments

There are many ways to make a payment, including online, over the phone, and using a mobile app. You can also make a payment using a prepaid debit card, wire transfer, or check/money order. There may be penalties for late or missed payments.

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

CSC FCU offers loan consolidation with competitive interest rates and federally insured up to $250,000. A variety of loan types are available with competitive rates and flexible terms. For more information on how to qualify for loan forgiveness, please contact their Danville branch at 570-275-3308 or email info@cscfederal.org.

Question Answer
Do they offer loan consolidation? Yes

How to Apply

You can apply for a loan online, over the phone, in person, or using a mobile app. You may be able to apply for a loan with a cosigner.

Question Answer
Can I apply for a loan online? 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.

CENTRAL SUSQUEHANNA CO 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 CENTRAL SUSQUEHANNA CO 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.