What does CUSI FL AU mean on my credit report?

Is CUSI FL AU making an impact on your credit score?

Updated January 1, 2023
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What is CUSI FL AU?

CUSI FL AU is shorthand for CUSI, with the company name being CUSI Inc

CUSI provides innovation-oriented Enterprise Solutions to Utility Companies. Over 30 Years of Industry Experience and Commitment to Client Services are one of America’s Largest Providers of Utility Billing Systems & Customer Information Solutions for Water, Sewer, Gas, Electric, and Waste Utilities.

CUSI FL AU 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 CUSI.

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

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

About the account

The account is classified under the following METRO2 categories:

  • ⚫ Lease
  • ⚫ Auto Lease
  • ⚫ Auto Loan

How do I contact them?

Here is the current contact details for CUSI:

Address:

  • P. O. Box 1515 Jonesboro, AR 72403

Website:

Email:

Phone:

Payments

CUSI is a payment processor that offers many payment options such as online payments, phone payments, automatic payments, and wire transfer. They also offer a mobile app for payment. Customers can also make payments using a check or money order. There are penalties for late or missed payments.

Question Answer
Do they offer a monthly payment plan? No
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

CUSI does not offer loan forgiveness or loan consolidation. It is unknown how to qualify for loan forgiveness.

Question Answer
Do they offer loan forgiveness? No
Do they offer loan consolidation? No

How to Apply

you can apply for a loan online, over the phone, or in person. You may also be able to apply using a mobile app. You may be able to apply with a cosigner.

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? 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.

CUSI FL AU 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 CUSI FL AU 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.