IF you signed a loan with the CU and used the car as collateral, YES IT IS LEGAL. And it is WISE for you to pay.
When you are late on your payment for a credit card, car loan, mortgage, etc... these "creditors" can report this late payment to the credit bureau that they have a relationship with (either Trans Union, Experian, or Equifax).These credit bureaus in turn stick it on your credit report which negatively affects your credit score.There are30 day late payment items,60 day late payment items,and 90 day late payment items.Many people remove these items by disputing them with the credit bureau (the credit bureau then has 30 days to go back to the creditor to verify the late payment). Sometimes it works and sometimes it doesn't.
Butte Federal Credit Union, California Coast Credit Union, CD Federal Credit Union, Heritage Community Credit Union, San Mateo Credit Union, and Southland Credit Union are credit unions that do not use the Chexsystems. For those that are having trouble opening an account in California, these are credit unions that they can use for services.
A friend purchased a Kia auto-- finance officer included on contract something that she did not want. The contract was redone but now the monthly payment amount is still incorrect at the credit union. She needs to make a payment on the auto but cannot get a new payment with the correct monthly payment on it. She got her financing thru Beacon Credit Union. Beacon says they cannot read their copy off the copy machine. Can you send a good copy to Beacon Credit Union so they will correct the monthly payment amount. My friend does not have a computer and can you call her 713-822-7594 Her payment is due January 28, 2011. Please call today so she can get this resolved.
Someone can watch their score at the Federal Credit Union by visiting the Federal Credit Union website and ordering a copy of their latest credit score. In addition, the Federal Credit Union website has a contact us page where individuals can call the Federal Credit Union to discuss their credit score.
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