What does WESTERN ILLINOIS CREDI mean on my credit report?
Learn about WESTERN ILLINOIS CREDI, an credit union offering loans for financial assistance. Check the impact to your credit report and financial status.
What is WESTERN ILLINOIS CREDI?
WESTERN ILLINOIS CREDI is shorthand for Western Illinois Credit Union, with the company name being Western Illinois Credit Union Inc
Western Illinois Credit Union is a member-owned cooperative financial institution that exercises leadership and integrity to create an environment of trust and continuity for the benefit of its members.
WESTERN ILLINOIS CREDI 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 Western Illinois 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
- ⚫ Unsecured
How do I contact them?
Here is the current contact details for Western Illinois Credit Union:
Address:
- Credit Union, 322 W University Dr, Macomb, IL 61455, United States
Website:
Phone:
Payments
you can make a payment by accessing one of the “Make a Payment” links in the list of loan products. Online payments can be made through Digital Banking, Online Bill Pay, and Credit Card services. Digital services such as online bill pay and digital wallets can be used for making payments via mobile apps.
| Question | Answer |
|---|---|
| Can I make payments online? | Yes |
| Can I make a payment using a mobile app? | Yes |
How to Apply
WICU offers loan services including auto, student, recreational, and personal loans up to $20,000. Members can make an appointment with a loan officer by calling 309.298.2986 or download a loan application and apply directly from a secure connection with CUOnline. You can also apply for a loan over the phone by calling 309. 298.2986 or by logging in to CUOnline. You cannot apply for a loan in person at Western Illinois Credit Union. To join, you must have a valid photo ID and $5 minimum balance, and you may be asked to provide additional information such as proof of address, email address, and existing loan information. You can also apply for a loan using a mobile app.
| 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? | No |
| Can I apply for a loan using a mobile app? | 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 WESTERN ILLINOIS CREDI 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.
