What does 3 RIVERS FCU mean on my credit report?

Learn about 3 RIVERS FCU, an federal credit union 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 3 RIVERS FCU?

3 RIVERS FCU is shorthand for 3riversfcu, with the company name being 3riversfcu Inc

3 Rivers Credit Unions gives back to the community. Cooperatives are not-for-profit, member owned organizations that focus primarily on support for the communities in which they operate.

3 RIVERS FCU is a Federal Credit Union provider. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with 3riversfcu.

  • ⚫ 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 $4000.

  • ⚫ The average high credit balance is $8900.

  • ⚫ The typical loan duration is 40 months.

  • ⚫ The average credit limit is $1100.

The account is classified under the following METRO2 categories:

  • ⚫ Auto Loan
  • ⚫ Collection Agency/Attorney
  • ⚫ Credit Card
  • ⚫ Unsecured

How do I contact them?

Here is the current contact details for 3riversfcu:


  • P.O. Box 2573, Fort Wayne, Indiana, 46801-2573




3Rivers offers financial assistance to current members facing financial hardship which include options like mortgage assistance and resources for small business owners. You can make a payment by calling their Financial Wellness Hotline at 800.825.3641, option 7 or by 3Rivers Pay My Loan, a payment system that allows users to make payments online. Check or money order is another payment option. Credit union is federally insured by the National Credit Union Administration.

Question Answer
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

3Rivers offers many resources to their current members who are experiencing financial hardship, including loan officers, Small Business Owners, Student Loans, Investments, and General Inquiries. They also have a Financial Wellness Hotline at 800.825.3641, option 7. However, they do not offer loan consolidation. To qualify for loan forgiveness, borrowers must be members of 3Rivers Federal Credit Union and have an account in good standing. The federal government insures the account up to $250,000. Borrowers should contact 3Rivers Federal Credit Union at 800.825.3641 or email for more information.

Question Answer
Do they offer loan forgiveness? No

How to Apply

You can apply for a loan online, through 3Rivers FCU’s website. You can also apply for a loan using their mobile app. If you would like to apply for a loan with a cosigner, that is also an option. Please note that you cannot apply for a loan over the phone or in person.

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.

3 RIVERS FCU 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.

What is a Federal Credit Union

A credit union is similar to a bank, however it is owned collectively by the members and does not operate on a for-profit basis. Many credit unions are able to provision credit and issue credit cards, which may report on your credit report. Due to the none-profit nature of federal credit unions they are generally more trusted by the public, as they are less likely to act in a malicious fashion. However, credit unions can still make mistakes with reporting on your credit report therefore being aware of what is being reported, and take action against any unfair reporting. The difference between a credit union and a federal is the fact that federal credit unions are federally insured.

How do I remove 3 RIVERS FCU 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.