What does GUARDIANCU mean on my credit report?
Learn about GUARDIANCU, an credit union offering loans for financial assistance. Check the impact to your credit report and financial status.
What is GUARDIANCU?
GUARDIANCU is shorthand for Guardian Credit Union, with the company name being Guardian Credit Union Inc
We recommend that you review their Privacy and Security Policies, which might differ from those of the Guardian Credit Union. When you click on the link above to confirm or cancel your request,
GUARDIANCU is a Credit Union provider. They could be on your report for a number of reasons, for example:
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⚫ You missed a repayment.
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⚫ You opened an account with Guardian Credit Union.
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⚫ You opened a credit card / loan / mortgage with this company.
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⚫ Someone fraudulently opened a credit line under your name.
About the account
The account is classified under the following METRO2 categories:
- ⚫ Unsecured
- ⚫ Collection Agency/Attorney
- ⚫ Credit Card
- ⚫ Auto Loan
How do I contact them?
Here is the current contact details for Guardian Credit Union:
Address:
- 7801 S. Howell Avenue Oak Creek, WI 53154
Website:
Phone:
Payments
payments can be made using a credit card or debit card, or through other payment services like PayPal. You can also choose to pay in cash or with a check. There are other payment options such as using checks or money orders. You can mail a check or money order to our offices or pay in cash at our location. Most banks and financial institutions now offer mobile apps that allow customers to make payments from their mobile device. The apps typically provide an easy-to-use interface allowing users to securely manage their payments, track spending, and access account information. Wire transfers are an electronic form of payment that allow you to transfer money from one bank account to another with the help of a third-party intermediary. It is a safe, secure and reliable way to make 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 |
| 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
they do not offer loan forgiveness. Loan consolidation is available to help borrowers save money by combining multiple loans into one loan with a single payment. Loan forgiveness may be available in special circumstances, such as when the loan is part of a forgiven student loan, or when the borrower is in a public service job and meets certain conditions.
| Question | Answer |
|---|---|
| Do they offer loan forgiveness? | No |
| Do they offer loan consolidation? | Yes |
How to Apply
Loan applicants can apply online, over the phone, or in person. Some lenders also offer mobile applications. In some cases, a cosigner may be necessary.
| 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.
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 GUARDIANCU 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.
