What does TOPLINE FEDERAL CRD UN mean on my credit report?
Learn about TOPLINE FEDERAL CRD UN, an federal credit union offering loans for financial assistance. Check the impact to your credit report and financial status.
What is TOPLINE FEDERAL CRD UN?
TOPLINE FEDERAL CRD UN is shorthand for TopLine Federal Credit Union, with the company name being TopLine Federal Credit Union Inc
TopLine Federal Credit Union is a non-profit, member owned financial services cooperative that serves the Twin cities and surrounding areas for more than 80 years. We’ve been the local bank for Minnesotans seeking greater financial comfort for over 85 years. We can also provide businesses loans, investments and life insurance services - all at 24/7 convenience. The NCURA Electronic Share Insurance Estimator is available to help members understand the real benefits of coverage.
TOPLINE FEDERAL CRD UN 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 TopLine 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.
How do I contact them?
Here is the current contact details for TopLine Federal Credit Union:
Address:
- 5221 Viking Drive Bloomington, MN 55435
Website:
Email:
Phone:
Payments
To make a payment, contact TopLine Financial Credit Union by local phone at (763) 391-9494 or toll free at (800) 626-1448, or by email at Ask@TopLinecu.com. TopLine Financial Credit Union offers online payments and the ability to make payments using a check or money order. There are penalties for late or missed payments.
| Question | Answer |
|---|---|
| Do they offer a monthly payment plan? | No |
| 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
TopLine Financial Credit Union does not offer loan forgiveness or consolidation. However, they offer an interest-only Home Equity Line of Credit (HELOC) with monthly payments as low as $60.00, and you can earn up to 5% cash back on Amazon, gas, retail, restaurant, and travel purchases with the TopLine VISA.
| Question | Answer |
|---|---|
| Do they offer loan forgiveness? | No |
| Do they offer loan consolidation? | No |
How to Apply
TopLine Financial Credit Union offers loan applications which can be accessed online, over the phone, or in person. You can also contact them via email at Ask@TopLinecu.com. TopLine Financial Credit Union offers loans and mobile banking services. Contact them at (763) 391-9494 or (800) 626-1448 or via email at Ask@TopLinecu.com for more information. TopLine Financial Credit Union offers loans that can be applied for with a cosigner.
| Question | Answer |
|---|---|
| Can I apply for a loan online? | Yes |
| Can I apply for a loan over a phone call? | 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.
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 TOPLINE FEDERAL CRD UN 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.
