In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. Your Rights When Dealing with Acceptance Now Collectionsĭebt collectors must abide by state and federal laws in the United States.
These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors. You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). If you find yourself facing any of these situations with a debt collection company, you should also consider filing a complaint. Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). To get an account removed, you must file a separate dispute with each credit bureau Equifax, Experian, and TransUnion, or it can negatively impact your credit score. Third-party debt collectors often buy and sell debt from one another, so this can lead to multiple collections showing on your credit reports for the same account. Is Acceptance Now Collections hurting my credit score?Īny derogatory item on your credit report, including a collections account, may harm your credit score. It’s also quite possible that you will never hear from or have to deal with Acceptance Now Collections again.Ĭall Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit history that will significantly improve your credit scores. They aid you in disputing the collection account with the credit bureaus, with the possibility of having it removed from your credit history. It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. Will Acceptance Now Collections sue me or garnish my wages? They help remove millions of negative items every year from companies like Acceptance Now Collections on behalf of their clients. The most effective way to deal with Acceptance Now collections is to work with a credit repair professional. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit. As a result, it could harm your credit rather than improve it. Making payments on the debt will reset the clock. However, in general, speaking to a debt collection agency on the phone once they’ve reported you to the credit bureaus. You may want to contact AcceptanceNOW customer service to see if you can work something out with the company. Phone number: (770) 574-4224 Should I contact or pay Acceptance Now Collections?
#ACCEPTANCE NOW PAY OFF FREE#
Get started on the path to better credit today: Fill out the form for a free credit consultation. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more. In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report.
#ACCEPTANCE NOW PAY OFF PROFESSIONAL#
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit. (While debt collectors may not want this information to be widely known, it’s your right to be informed.) However, it is possible to remove a collection account from your credit history before seven years. Unfortunately, paying the collection could even lower your credit score. How can I remove Acceptance Now Collections from my credit report?Īcceptance Now collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. This can happen if you didn’t pay a bill. You may see AcceptanceNOW listed on your credit report as a collections account. They offer financing for furniture, appliance, and other retail stores.ĪcceptanceNOW is headquartered in Plano, Texas. AcceptanceNOW is a division of rent-to-own industry leader Rent-A-Center, Inc.
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