What does KUAKINI MED AND DENT F mean on my credit report?

Learn about KUAKINI MED AND DENT F, 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 KUAKINI MED AND DENT F?

KUAKINI MED AND DENT F is shorthand for Kuakini Medical & Dental Federal Credit Unio, with the company name being Kuakini Medical & Dental Federal Credit Unio Inc

Originally named after Kuakini Airport, it was known as Pacific Islands Monetary Fund (PIFC). It serves now as one of four federal credit unions of the government of Guam.

KUAKINI MED AND DENT F 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 Kuakini Medical & Dental Federal Credit Unio.

  • ⚫ 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 Kuakini Medical & Dental Federal Credit Unio:

Address:

  • 1703 Liliha Street,Honolulu HI 96817

Website:

Phone:

Payments

The most common payment methods include credit card, debit card, PayPal, and bank transfer. You can get a payment refund by contacting the merchant directly and requesting the refund. Payments cannot be made over the phone. Other payment options such as using a check or money order are not offered. There are no penalties for late or missed payments.

Question Answer
Do they offer a monthly payment plan? No
Can I make payments over the phone? 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

Kuakini Medical & Dental Federal Credit Union does not offer loan forgiveness or consolidation. Loan forgiveness may be available to eligible borrowers who have made 120 qualifying payments on an eligible loan, have an eligible loan type, and meet other eligibility requirements; employment requirements or income thresholds may also need to be met, depending on the program.

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

How to Apply

You can apply for a loan online with Hawaiian Financial FCU. As low as 1.99% APR* is available. You cannot apply for a loan over a phone call. Kuakini Medical & Dental Federal Credit Union is closed in observance of Thanksgiving Day and loans must be applied for online. Hawaiian Financial FCU offers loans that can be applied for using a mobile app. you can apply for a loan with a cosigner at Hawaiian Financial Federal Credit Union.

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? 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.

KUAKINI MED AND DENT F 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 KUAKINI MED AND DENT F 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.