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 didn’t pay a bill.
How can I remove AcceptanceNOW Collections from my credit report?
AcceptanceNOW 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. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)
Lexington Law is a professional 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, bankruptcies, and more.
Call Lexington Law now to learn more: (800) 220-0084
AcceptanceNOW Contact Information
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 debt will reset the clock. So instead of helping your credit, it could make it worse. Of course, there are times when it’s best to just pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The best way to handle this is to work with a credit repair professional. They delete millions of negative items every year from companies like Acceptance Now Collections for millions of clients nationwide.
And they may be able to 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 with the credit bureaus and possibly remove it 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.
Is Acceptance Now Collections hurting my credit score?
The missed payments that led to the collection harm your credit score. A collection account on your credit report further reduces your ability to qualify for new credit.
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.
When this happens, if you don’t dispute the accounts with the credit bureaus and get them all removed, they will harm your credit score.
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 consumer 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 a debt. 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.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- 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 attempting 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.
Remove AcceptanceNOW collections From Your Credit Report Today!
Lexington Law specializes in disputing AcceptanceNOW collections. They have over 18 years of experience and have removed over 7 million negative items for their clients in 2020 alone.
If you’re looking for a reputable credit repair company to help you with collection accounts and repair your credit, consider working with Lexington Law.
You can give them a call 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.
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