What does HARBOR FEDERAL C U mean on my credit report?
Learn about HARBOR FEDERAL C U, an federal credit union offering loans for financial assistance. Check the impact to your credit report and financial status.
What is HARBOR FEDERAL C U?
HARBOR FEDERAL C U is shorthand for Pearl Hawaii Federal Credit Union, with the company name being Pearl Hawaii Federal Credit Union Inc
Since then, we have continuously developed trust and confidence in building communities while encouraging people to develop positive financial habits. Our story of Hawai’i’s rich history has always been woven into everyday interactions with our members.
HARBOR FEDERAL C U is a Federal 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 Pearl Hawaii Federal 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:
- ⚫ Auto Loan
How do I contact them?
Here is the current contact details for Pearl Hawaii Federal Credit Union:
Address:
- 85-866 Farrington Hwy Waianae, Hawaii 96792
Website:
Email:
Phone:
Payments
You can make a payment by using a credit card, debit card, or an electronic transfer. To get a payment refund, contact the business or person you made the payment to directly. Payments can be made over the phone using various methods such as credit cards, debit cards, and other acceptable payment methods. Payments can be made online through a variety of methods, including debit and credit cards, electronic wallets, and bank transfers. Other payment options are available, such as using a check or money order. You can make a payment using a mobile app. Late or missed payments can result in penalties. You can make payments with a prepaid debit card. Wire transfers are a secure and efficient 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 |
| 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. However, the financial institution offers loan consolidation services. They can help consolidate multiple loans into one simple payment as well as offer flexible repayment options. Borrowers must meet certain requirements, such as having a certain amount of debt relative to their income and/or making a certain number of payments 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 online, over the phone, or in person. Many banks offer loan applications through their mobile app. You can 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? | 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 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 HARBOR FEDERAL C U 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.
