If you see Acceptance Now Collections on your credit report, it likely means an unpaid debt has been reported by a financing partner of a furniture or retail store. Here’s what it means and how to get it removed from your report.
What Is AcceptanceNOW?
AcceptanceNOW is a financing division of Rent-A-Center, Inc. They partner with retail stores to offer rent-to-own and lease-to-own financing for furniture, appliances, electronics, and more.
If you’ve missed payments or defaulted on one of these agreements, the debt may appear on your credit report as a collection account under AcceptanceNOW.
Which Stores Work With AcceptanceNOW?
AcceptanceNOW works with retailers nationwide. If you financed a purchase through one of these stores, your account may be handled by them:
- 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
How to Remove Acceptance Now Collections From Your Credit Report
A collection account can stay on your credit report for up to seven years, even after it’s paid. Here’s how you can try to remove it:
- Dispute any errors – Review your credit report and challenge any incorrect details by filing a dispute with the credit bureaus.
- Negotiate a pay-for-delete – You may be able to settle the debt in exchange for removal from your report, though not all companies agree to this.
- Work with a credit repair service – Professionals can help identify reporting mistakes, send disputes, and negotiate removals on your behalf.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Acceptance Now Collections?
Before paying anything, confirm the debt is accurate. Request a debt validation letter to ensure the amount is correct and actually belongs to you.
Be cautious—making a payment can restart the statute of limitations in some states, which could make the debt collectible again.
Many people choose to work with a credit repair company to avoid mistakes and increase their chances of a successful removal.
Can Acceptance Now Collections Sue or Garnish Your Wages?
They have the legal right to sue you if the debt is valid and unpaid. If they file a lawsuit and win a judgment, they could potentially:
- Garnish your wages
- Freeze your bank account
- Place a lien on your property
That said, lawsuits are typically a last resort. Most companies prefer to work out a payment plan or settlement first.
AcceptanceNOW Contact Information
ATTN: AcceptanceNOW Customer Service
5501 Headquarters Dr.
Plano, TX 75024
Phone: (770) 574-4224
Complaints About Acceptance Now Collections
Like many debt collectors, Acceptance Now has received complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). These often involve:
- Inaccurate reporting
- Harassing phone calls
- Refusal to verify debts
If you’re experiencing any of these issues, you can file a complaint and assert your rights under federal law.
Know Your Rights When Dealing With Debt Collectors
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you strong protections. Here’s what Acceptance Now is not allowed to do:
- Report false or incomplete debt information
- Ignore debt validation requests
- Harass, threaten, or use abusive language
- Misrepresent their identity or authority
- Threaten arrest or jail for unpaid debts
You have the right to request proof of the debt and to dispute anything that’s incorrect on your credit report.
Get Acceptance Now Collections Removed From Your Credit Report
Dealing with collections doesn’t have to be overwhelming. Credit Saint has helped thousands of people remove inaccurate accounts like Acceptance Now from their credit reports. With over 15 years of experience, They even offer a 90-day money-back guarantee for added peace of mind.
Call (855) 281-1510 or visit their website to see if they can help with your situation.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
