What does ALLEGIANCE mean on my credit report?

Learn about ALLEGIANCE, 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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What is ALLEGIANCE?

ALLEGIANCE is shorthand for Allegiance Benefit Plan Management Inc, with the company name being Allegiance Benefit Plan Management, Inc

By changing our name, we were able to put our service philosophy on display, our name, allegience, is a public declaration that we are here to benefit you. As a result, allegiance has experienced considerable growth due to our partnership with Cigna.Our corporate sense has always been one of loyalty to the organizations we serve.Our employees are passionately committed to our clients and plan members.

ALLEGIANCE 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 Allegiance Benefit Plan Management Inc.

  • ⚫ 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 $8300.

  • ⚫ The average high credit balance is $17600.

  • ⚫ The typical loan duration is 32 months.

  • ⚫ The average monthly repayment is $500.

The account is classified under the following METRO2 categories:

  • ⚫ Auto Loan

How do I contact them?

Here is the current contact details for Allegiance Benefit Plan Management Inc:

Address:

  • 2806 S. Garfield Street
    P.O. Box 2339
    Missoula, MT 59806-2339

Website:

Email:

Phone:

Payments

To make a payment, click on Employee/Employer Login, click Register New User, enter Participant ID, Last Name, First Name, Date of Birth, Email and Zip Code. Then create a Username and Password. Once created, you can enter them to log into your account. You can also make payments over the phone, online, or using a mobile app. Other payment options include using a check or money order. There are penalties for late or missed payments, which vary depending on the plan.

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 online, in person, or using a mobile app. You need your Participant ID from your ID card, Last Name, First Name, Date of Birth, Email and Zip Code. You must then create a Username and Password that meets the given criteria. Once the username and password is created, you can log into your account and apply for a loan. You can also apply for 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.

ALLEGIANCE 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 ALLEGIANCE 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.