What does INTOUCH CU mean on my credit report?
Learn about INTOUCH CU, an credit union offering loans for financial assistance. Check the impact to your credit report and financial status.
What is INTOUCH CU?
INTOUCH CU is shorthand for InTouch Credit Union , with the company name being InTouch Credit Union Inc
All mail should be delivered to: In Touch Credit Union P.O. Box 250169 Planno, TX 75025 The US Postal Service (USPS) does not process mail addressed to our democracy drive address; all mail addressed to that address will be returned by the USPS as “undeliverable”. Deliveries and courier services (not processed via the USPS) can be sent to: 5640 Democracy Dr., Plano, TX 75024
INTOUCH CU 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 InTouch 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
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⚫ The average account balance is $5000.
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⚫ The average high credit balance is $30800.
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⚫ The typical loan duration is 52 months.
The account is classified under the following METRO2 categories:
- ⚫ Auto Loan
- ⚫ Collection Agency/Attorney
- ⚫ Unsecured
How do I contact them?
Here is the current contact details for InTouch Credit Union :
Address:
- P.O. Box 250169 Plano, TX 75025-0169
Website:
Email:
Phone:
Payments
You can make payments using a credit or debit card, PayPal account, or other payment methods such as Apple Pay or Google Pay. You can also use bank transfer, checks, or cash. If you need a refund, contact the store or business you purchased the item from and explain why you need a refund. They will usually provide you with information on how to obtain the refund, such as a return form or a refund policy. Many businesses provide customers with the option of phoning in a payment after providing necessary payment details. This payment method is convenient for customers and often allows for immediate processing. You can make payments online through a variety of methods, including credit cards and digital payment services such as PayPal and Venmo. Other payment options are available such as using a check or money order. These payment options are typically accepted by most vendors and can be used to pay for goods or services. Many apps allow you to securely link your credit or debit card to make payments on the go. Additionally, you can use digital wallets like Apple Pay or Google Pay to make payments. Missing or making late payments can incur additional fees or interest charges. Depending on the type of loan or credit card, the penalty itself may vary and can be a fixed amount or a percentage of the payment amount. Prepaid debit cards allow consumers to make payments. They are reloadable cards and work in a similar fashion to regular debit and credit cards, allowing users to make payments online and in-store. Some cards also offer rewards and cash back programs. Wire transfers are a secure and convenient payment method that allows you to transfer funds electronically from one bank account to another.
| 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
Citizens Bank offers loan consolidation services with competitive rates and easy repayment options. Loan forgiveness is available for those who meet certain qualifications, which vary depending on the type of loan. Income-driven repayment plans may also be available.
| 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. You may also be able to use a mobile app to apply for a loan. Some loans may require 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 |
SmartCredit Report Example
- This is an example of what this creditor will look like on your SmartCredit 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 INTOUCH CU 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.
