If you see AFS Acceptance or Credito Real USA Finance listed on your credit report, it likely means you defaulted on an auto loan. Here’s what that means for your credit—and what steps you can take to remove it.
What Is AFS Acceptance?
AFS Acceptance, LLC is now known as Credito Real USA Finance, LLC. Based in Fort Lauderdale, Florida, the company provides subprime auto loans—typically for people with low credit scores or limited credit history.
They work with both franchise and independent car dealers to offer financing options that traditional lenders may not provide. If a loan goes unpaid, they may report the account as a collection, which can seriously impact your credit score.
Is AFS Acceptance Legit?
Yes, AFS Acceptance is a legitimate lender and debt collector. But even though they’re a real company, you should always confirm the debt is accurate before taking any action. Mistakes in reporting happen, and you have a legal right to request verification.
How to Remove AFS Acceptance From Your Credit Report
Collection accounts can stay on your credit report for up to seven years. But you may be able to remove the entry sooner by following these steps:
- Dispute any errors – If the balance, dates, or account details are incorrect, file a dispute with the credit bureaus.
- Request a pay-for-delete – Offer to pay the debt in exchange for them removing the collection from your credit report. Get any agreement in writing.
- Hire a credit repair service – A professional team can send debt validation letters, dispute inaccuracies, and push for removal 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 AFS Acceptance?
Before you contact Credito Real USA Finance, request a debt validation letter. This confirms that the debt is yours and that the details are accurate.
Making a payment on an old debt can reset the collection clock, making it legally collectible again in some states. It’s important to understand your rights before taking any steps.
Can AFS Acceptance Sue or Garnish Your Wages?
Yes, AFS Acceptance can take legal action if you default on your loan. If they sue you and win, they may be able to:
- Garnish your wages
- Freeze your bank account
- Place a lien on your property
However, legal action is usually a last resort. Most companies prefer to work out a payment plan or settlement rather than go to court.
AFS Acceptance Contact Information
Credito Real USA Finance, LLC
1475 W. Cypress Creek Rd, Suite 300
Fort Lauderdale, FL 33309
Phone: (877) 576-2265
Complaints About AFS Acceptance
Like many lenders and collectors, AFS Acceptance has received complaints with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). The most common issues include:
- Reporting inaccurate information
- Harassment or excessive calls
- Refusing to verify the debt
If you face any of these problems, you can file a complaint and enforce your rights under federal law.
Your Rights When Dealing With AFS Acceptance
You’re protected by the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These laws prevent debt collectors from using dishonest or abusive tactics. AFS Acceptance cannot:
- Report false or incomplete information
- Ignore your request for debt validation
- Threaten or harass you by phone
- Misrepresent their authority or identity
- Threaten jail time for unpaid debts
You have the right to request proof of the debt and to dispute any errors with the credit bureaus.
Get AFS Acceptance Removed From Your Credit Report
If AFS Acceptance is affecting your credit, Credit Saint may be able to help. They’ve assisted thousands of clients with removing inaccurate or outdated negative items—and they offer a 90-day money-back guarantee if they don’t deliver.
To see if they can help with your situation, visit their website or call (855) 281-1510 for a free consultation.
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.
