ACE Cash Express Collections


Is ACE Cash Express Collections hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is ACE Cash Express?

ACE Cash Express, Inc. is a well-established financial services provider and debt collection agency based in Irving, Texas. With over 950 locations spread across the United States, they are one of the largest owners and operators of check cashing stores in the country.

ACE offers a variety of financial services to cater to the needs of customers, particularly those with limited access to traditional banking services. Their offerings include cash advances, check cashing, installment loans, payday loans, prepaid cards, and title loans.

If you have taken out a loan with ACE Cash Express and defaulted on your payments, you may see them listed on your credit report as a collections account.

Is ACE Cash Express legit or a scam?

ACE Cash Express is a legitimate financial services provider, not a scam. They have been in the business since 1968, making them one of the older and more experienced companies in the payday loan industry.

Despite being a legit business, it’s crucial for consumers to understand the terms and conditions of any financial services they use, particularly those related to high-interest loans such as payday loans. Always be sure to verify any debts claimed and consult a financial advisor or attorney if you’re unsure how to handle any issues related to such debts.

How can I remove ACE Cash Express from my credit report?

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.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

ACE Cash Express, Inc. Contact Information

Headquarters address:

ACE Cash Express, Inc.
300 E John Carpenter Fwy Ste 900
Irving, TX 75062

Phone number: (888) 753-2355 or (866) 355-6815

Should I contact or pay ACE Cash Express?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

The most effective way to deal with ACE Cash Express is to work with a credit repair professional. They help remove millions of negative items every year from companies like ACE Cash Express on behalf of their clients.

Will ACE Cash Express sue me or garnish my wages?

ACE Cash Express has the legal right to sue you if you default on a loan. If they secure a judgment against you in court, they may be able to garnish your wages, levy your bank accounts, or take other action to collect the debt, depending on the laws of your state.

However, these are generally last-resort measures. Most lenders and debt collectors, including ACE Cash Express, would typically prefer to work out a payment plan or reach a settlement with you to avoid the cost and time of a lawsuit.

ACE Cash Express Complaints

Most payday lenders and 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 a debt collector is harassing you, you may want to consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with ACE Cash Express

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a third-party debt collector from using abusive, unfair, or deceptive practices. In addition, it 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 ACE Cash Express to report inaccurate or incomplete information about you.
  • 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.
  • ACE Cash Express may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • ACE Cash Express must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • ACE Cash Express cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove ACE Cash Express From Your Credit Report Today!

Credit Saint can assist you in disputing ACE Cash Express collections. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.