AFS Acceptance


Is AFS Acceptance 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 AFS Acceptance?

AFS Acceptance, LLC, which is now known as Credito Real USA Finance, LLC, is a company that specializes in subprime auto financing. They are based in Fort Lauderdale, Florida.

Their business model focuses on providing auto loan services to both franchise and independent car dealers, often catering to customers who have lower credit scores. This means they often work with individuals who may have difficulty getting financing through traditional lenders due to their credit history.

If you see AFS Acceptance or Credito Real USA Finance listed on your credit report as a collections account, it likely means you have defaulted on an auto loan that was initially issued by them.

Is AFS Acceptance legit or a scam?

AFS Acceptance is a legitimate company. They are authorized to collect debts on behalf of their clients. However, if you are contacted by them regarding an alleged debt, you should take steps to verify the debt before making any payments.

How can I remove AFS Acceptance 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.

Credito Real USA Finance, LLC / AFS Acceptance, LLC Contact Information


Credito Real USA Finance, LLC
1475 W. Cypress Creek Rd. Ste 300
Fort Lauderdale, FL 33309

Phone number: (877) 576-2265

Should I contact or pay AFS Acceptance?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

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

Will AFS Acceptance sue me or garnish my wages?

AFS Acceptance (now known as Credito Real USA Finance), like other lenders and debt collectors, does have the authority to take legal action against borrowers who default on their loans. This could potentially include filing a lawsuit to recover the unpaid debt.

If the court rules in their favor and a judgment is issued against you, they may then be able to garnish your wages or levy your bank account, depending on the laws of your specific state. However, it’s worth noting that these actions are typically seen as last resort measures, and it’s generally in the interest of both parties to work out a payment plan or some form of settlement before it reaches this point.

AFS Acceptance, LLC 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 AFS Acceptance, 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). 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 Credito Real USA Finance/AFS Acceptance

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a 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 AFS Acceptance 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.
  • AFS Acceptance may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • AFS Acceptance 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.
  • AFS Acceptance cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove AFS Acceptance From Your Credit Report Today!

Credit Saint can assist you in disputing AFS Acceptance accounts. 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.