What does AA/CBNA mean on my credit report?

Learn about AA/CBNA, an airline offering loans for financial assistance. Check the impact to your credit report and financial status.

Updated January 1, 2023
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What is AA/CBNA?

AA/CBNA is shorthand for American Airlines, with the company name being American Airlines LLC

AA/CBNA is a Airline provider. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with American Airlines.

  • ⚫ You opened a credit card / loan / mortgage with this company.

  • ⚫ Someone fraudulently opened a credit line under your name.

How do I contact them?

Here is the current contact details for American Airlines:


  • 4000 E. Sky Harbor Blvd, Phoenix, AZ 85034




To make a payment, you can visit the American Airlines website, contact customer service, or use the mobile app. Payment can be made with credit cards, a prepaid debit card, wire transfer, check, or money order. There may be penalties for late or missed payments.

Question Answer
Do they offer a monthly payment plan? No
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

American Airlines does not offer loan forgiveness, but Bank of Ireland UK offers loan consolidation with low rates from 5.3% and their current lowest rate at 5.2% for members. To qualify for loan forgiveness, contact your lender and inquire about their loan forgiveness programs. Applicable programs can include Public Service Loan Forgiveness and other options. Additionally, you may be able to take advantage of flight discounts, special assistance programs, and air and land packages.

Question Answer
Do they offer loan forgiveness? Yes

How to Apply

you can apply for a loan online though American’s website. You can also find additional information about products and programs, reservations and tickets, travel information, website, mobile and app, special assistance and amenities during your flight, and travel experiences such as cruises, cars, and hotels. You can make changes to your car and hotel reservations, but if you have a problem you’ll need to contact the company directly. For more information about cruises, cars and hotels, please contact American Airlines or aa.com technical.

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? No
Can I apply for a loan using a mobile app? No
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.

AA/CBNA 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.

How do I remove AA/CBNA 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.