Who is AcceptanceNOW?
AcceptanceNOW is a division of rent-to-own industry leader Rent-A-Center, Inc. They offer financing for furniture, appliance, and other retail stores. Some of their retail partners include:
- ABC Warehouse
- American Signature Furniture
- Ashley Furniture HomeStore
- Big Sandy Superstore
- Bob’s Discount Furniture
- Furniture City
- Home Decor Outlets
- Market Warehouse Furniture
- Mathis Brothers Furniture
- Rooms To Go
- Slumberland Furniture
- Value City Furniture
AcceptanceNOW is headquartered in Plano, Texas. You may see AcceptanceNOW listed on your credit report as a collections account. This can happen if you forgot to pay a bill and your account was sent to a debt collector.
AcceptanceNOW Collections
AcceptanceNOW collections can hurt your credit score and remain on your credit report for up to 7 years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to have a collection account removed from your credit report before 7 years.
(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)
Lexington Law is a credit repair company that helps people fix their credit.
In addition to collections, Lexington Law will help you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, judgments, tax liens, and bankruptcies.
Call Lexington Law now to learn more: (800) 220-0084
AcceptanceNOW Contact Information
Address:
ATTN: AcceptanceNOW Customer Service
5501 Headquarters Dr
Plano, TX 75024
Phone number: (770) 574-4224
Should I contact or pay Acceptance Now Collections?
You may want to contact AcceptanceNOW customer service to see if you can work something out with the company. However, generally, nothing good can come from contacting a debt collection agency once they’ve reported you to the credit bureaus. And making payments on the collection account will reset the clock. So instead of helping your credit, it could make it worse.
The best way to go about handling this is to work with a professional credit repair service. They have deleted millions of negative items from companies like Acceptance Now Collections for millions of clients nationwide.
And they can help you too.
Will Acceptance Now Collections sue me or garnish my wages?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They will help you dispute the collection account and possibly get it removed from your credit report. It’s also quite possible that you will never hear from or have to deal with Acceptance Now Collections again.
Call 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.
Acceptance Now Collections Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with a debt collection agency, you should also consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Lexington Law knows that you have rights, and Acceptance Now Collections does too.
Your Rights When Dealing with Acceptance Now
There are strict regulations about what a debt collector can and cannot do in the United States. For example, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect any debt, whether or not you actually owe it. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for Acceptance Now to report inaccurate or incomplete information on your credit report.
- Debt validation. Under the FDCPA, you have the right to validate a debt. Upon request, the collection agency reporting the information must prove to you, within 30 days, that the account is really your responsibility and the amount of money you owe is accurate.
- All personal debts are covered, including personal credit cards, auto loans, household bills, and mortgage payments.
- Acceptance Now may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- Acceptance Now must be honest about who they are and what they are trying to do. They must notify you that they are a collection agency both orally and in writing.
- Acceptance Now cannot threaten to have you arrested, and they are not allowed to threaten to take legal action if they have no intention of doing so.
Can AcceptanceNOW collections be removed from my credit report?
Lexington Law specializes in disputing AcceptanceNOW collections. They have over 28 years of experience and have removed over 7 million negative items for their clients in 2020 alone.
Get Your Collections Removed Today!
If you’re looking for a reputable credit repair company to help you with collection accounts and repair your credit, we HIGHLY recommend Lexington Law.
Call them at (800) 220-0084 for a free credit consultation. They have helped many people in your situation and have paralegals standing by waiting to take your call.