What does INFIRMARYFCU mean on my credit report?
Learn about INFIRMARYFCU, an federal credit union offering loans for financial assistance. Check the impact to your credit report and financial status.
What is INFIRMARYFCU?
INFIRMARYFCU is shorthand for Infirmary FCU, with the company name being Infirmary FCU Inc
TIFCU was founded in September 1974 to serve the employees of Mobile Infirmary; as the infirmary grew, so did its credit union membership. To join just drop 5 dollars into a normal savings (share) account and once your account is open you can apply for one of our service via The Infirmary Federal Credit Union
INFIRMARYFCU is a Federal Credit Union provider. They could be on your report for a number of reasons, for example:
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⚫ You missed a repayment.
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⚫ You opened an account with Infirmary FCU.
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⚫ You opened a credit card / loan / mortgage with this company.
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⚫ Someone fraudulently opened a credit line under your name.
About the account
The account is classified under the following METRO2 categories:
- ⚫ Collection Agency/Attorney
How do I contact them?
Here is the current contact details for Infirmary FCU:
Address:
- 130 Mobile Infirmary Blvd. Mobile, AL 36607
Website:
Email:
Phone:
Payments
Online Banking, Mobile App, Bill Pay, Popmoney®, Mobile Deposit, eStatements, Card Valet and Apple®, Android® & Samsung Pay® allow customers to manage their money and make payments. Customers can update their address information through Virtual Branch and reorder TIFCU checks through Main Street.they do not offer a monthly payment plan, however you can make payments online with Online Banking, Bill Pay, and Mobile App. There are penalties for late or missed payments, such as transactions being blocked or suspended due to fraud detection software.you can make a payment using a prepaid debit card. Online Banking and Mobile App services provide a convenient way to manage your money and make payments. You can order checks and update your address information on Virtual Branch.
| 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
The Infirmary Federal Credit Union does not offer loan forgiveness or consolidation. Loan forgiveness may be available through specific programs and requirements, such as public service, military service, or teaching.
| Question | Answer |
|---|---|
| Do they offer loan forgiveness? | No |
| Do they offer loan consolidation? | No |
How to Apply
You can apply for a loan online, through the TIFCU mobile app, or with a cosigner. You cannot apply for a loan over a phone call 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.
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 INFIRMARYFCU 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.