What does ALASKA USA mean on my credit report?

Learn about ALASKA USA, 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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ALASKA USA is shorthand for Alaska USA, with the company name being Alaska USA

Alaska USA offers members great rates on loans and deposits, along with lower fees for services; this dedication to each member’s financial wellbeing is what makes the Alaska USA experience greater than banking. Alaska USA has branches in Alaska, Arizona, California and Washington, serving members residing in all fifty US states and abroad.

ALASKA USA 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 Alaska USA.

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

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

About the account

  • ⚫ The average account balance is $100.

  • ⚫ The average high credit balance is $58500.

  • ⚫ The typical loan duration is 54 months.

  • ⚫ The average credit limit is $1100.

  • ⚫ The average monthly repayment is $100.

The account is classified under the following METRO2 categories:

  • ⚫ Secured
  • ⚫ Credit Card
  • ⚫ Real estate

How do I contact them?

Here is the current contact details for Alaska USA:


  • P.O. Box 196613
    Anchorage, AK 99519-6613





There are many ways to make a payment with Alaska USA Federal Credit Union, including online banking, ATM/Debit card, Bill Pay, and Overdraft services. Refunds for payments are typically given in the form of a credit to the account from which payment was taken. Additionally, customers can contact their payment provider to request a refund. Payments can also be made over the phone by calling the Member Service Center 24/7 at 800-525-9094. Online payments can be made with Alaska USA Federal Credit Union. Alaska USA Federal Credit Union does not offer a discount for automatic payments. Payments can be made with a check or money order. Additionally, debit cards, Bill Pay, and other online banking methods are available. It is possible to make payments using a mobile app with Alaska USA Federal Credit Union. Late or missed payments may incur fees and/or other penalties, depending upon the services used. You can make a payment using a prepaid debit card. Yes. Alaska USA Federal Credit Union offers wire transfer payment services.

Question Answer
Do they offer a monthly payment plan? Yes
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

Many financial institutions offer loan forgiveness programs for eligible borrowers. These programs can provide partial or full loan forgiveness if the borrower meets certain criteria, such as employment in a specific field, financial hardship, or other personal circumstances.Debt consolidation is the process of combining existing debts into one loan with lower interest and/or better payment terms. Benefits of consolidation include the potential to save money, simplifying payments to one monthly payment and reducing the risk of missing or late payments. Alaska USA offers a debt consolidation calculator to compare new loan terms against existing debt to assess potential savings.To qualify for loan forgiveness, you must meet certain criteria set by the lender or credit union. This may include having no late payments, making regular payments on time, and/or meeting other financial obligations. In some cases, you may also need to meet credit score requirements and provide other information to the lender. Additionally, Alaska USA Federal Credit Union provides mortgage loans in Arizona, California, and Washington, and Global Credit Union offers Home Loans in Washington and Idaho.

Question Answer
Do they offer loan forgiveness? Yes

How to Apply

It is possible to apply for a loan online, over the phone, or in person. Applying for a loan online or in person requires going through Alaska USA Federal Credit Union. It is also possible to apply for a loan through a mobile app. It is possible to have a loan with 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

IdentityIQ Report Example

  • This is an example of what this creditor will look like on your IdentityIQ report.

ALASKA USA 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 ALASKA USA 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.