What does UNIVERSAL1CU mean on my credit report?

Is UNIVERSAL1CU making an impact credit score?

Updated May 1, 2022


UNIVERSAL1CU is shorthand for U1, with the company name being U1 LLC

Universal 1 Credit Union (U1) is a non-profit financial institution which exists to foster personal, economic and social welfare. We will empower your financial lifestyle by creating the best possible experience. Beyond “What You Expect”, we present: Beyond what you expected" is the word that pops up often, because we always make sure that a financial institution really cares for you as a person and masterfully manages your money. See who else loves U1 as much as you here!

UNIVERSAL1CU is a Creditor. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with U1.

  • ⚫ 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:

  • ⚫ Auto Loan
  • ⚫ Secured
  • ⚫ Unsecured

More account infomation

  • ⚫ The average account balance is $100.

  • ⚫ The average high credit balance is $9300.

  • ⚫ The typical loan duration is 42 months.

  • ⚫ The average credit limit is $100.

How do I contact them?

Here is the current contact details for U1:


  • Zane Plaza, Suite 47A 1080 North Bridge Street Chillicothe, Ohio 45601




  • 937-225-9401

IdentityIQ Report Example

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

UNIVERSAL1CU 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 UNIVERSAL1CU 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.