What does ALABAMA ONE CREDIT U mean on my credit report?

Learn about ALABAMA ONE CREDIT U, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.

Updated January 1, 2023
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ALABAMA ONE CREDIT U is shorthand for ALABAMA ONE, with the company name being ALABAMA ONE

That’s how it goes : Your goals change over time due to life changes, what matters most when you’re 23 is different when you are 35 or 55 but one thing is true-most of life’s large goals require healthy financial habits and at Alabama ONE this is our purpose

ALABAMA ONE CREDIT U is a Creditor provider. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with ALABAMA ONE.

  • ⚫ 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 ALABAMA ONE:


  • 4520 21st St, Tuscaloosa, AL 35401, United States





To make a payment, deposit a minimum of $5.00 into a savings account to become a member and access the Credit Union’s products and services. The routing number is 262277189. Wiring instructions include an ABA number of 262-090-120 for Corporate America credit, and an ABA number of 262-277-189 for Alabama ONE Credit Union. Final credit should be made to the Member’s Name and Account number. Alabama ONE Credit Union offers a minimum deposit of $5.00 to become a member, which gives access to their financial products and services. They do not explicitly offer a monthly payment plan, but members may be able to arrange one. Credit Union members can face penalties for late or missed payments, such as lower than market rates on loans and higher than market rates on deposits.

Question Answer
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

How to Apply

You can apply for a loan from Alabama One Credit Union online, over the phone, or in person. You will need to make a minimum deposit of $5 into a savings account to become a member. The credit union’s routing number is 262277189.

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.

How do I remove ALABAMA ONE CREDIT 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.