If you’ve noticed Commercial Acceptance Company on your credit report, there’s a good chance it’s tied to a collection account. Collection accounts can significantly lower your credit score and stay on your report for up to seven years if left unresolved.
Here’s what to know about Commercial Acceptance Company and how to work toward removing their account from your credit report.
Who Is Commercial Acceptance Company?
Commercial Acceptance Company (CAC) is a debt collection agency based in Camp Hill, Pennsylvania. They work on behalf of businesses to collect unpaid debts from consumers.
If CAC appears on your credit report, it means a company has hired them to collect money they believe you owe.
Who Does Commercial Acceptance Company Collect For?
Commercial Acceptance Company works with clients across several industries, including:
- Healthcare providers
- Retail companies
- Utilities
- Credit card issuers
If you have an unpaid bill in any of these areas, it may have been turned over to them for collection.
Is Commercial Acceptance Company Legitimate?
Yes, Commercial Acceptance Company is a real debt collection agency. They are authorized to collect debts on behalf of their clients. Even so, you should never assume a collection account is valid without verifying the details first.
How to Remove Commercial Acceptance Company From Your Credit Report
A collection account from CAC can damage your credit, but you have options to address it:
- Dispute Errors: Review your credit report for inaccuracies. If the debt doesn’t belong to you or the information is incorrect, file a dispute with the credit bureaus.
- Request Debt Validation: You have the right to request written proof that the debt is yours and that the amount is accurate. CAC must provide this documentation if you ask for it.
- Negotiate a Pay-for-Delete: If the debt is valid, you can try negotiating a pay-for-delete agreement. This involves offering payment in exchange for the collection account being removed from your credit report. Always get the agreement in writing.
- Work With a Credit Repair Service: Many people work with professionals who specialize in removing negative items from credit reports, including collections.
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 Commercial Acceptance Company?
Before contacting CAC, confirm the debt is legitimate and accurately reported. Sometimes debts are outdated, incorrect, or past the statute of limitations.
Also, making a payment can reset the clock on how long the debt affects your credit, so proceed carefully.
In some situations, paying a newer collection account makes sense, but many people choose to work with a credit repair company to help manage the process.
Can Commercial Acceptance Company Sue You or Garnish Your Wages?
Commercial Acceptance Company does have the legal ability to sue over unpaid debts. If they file a lawsuit and win, they could pursue wage garnishment or bank levies, depending on your state’s laws.
However, lawsuits are typically a last resort. Most debt collectors prefer to reach a settlement or payment plan without going to court.
Commercial Acceptance Company Contact Information
Here’s how to reach Commercial Acceptance Company:
Address:
Commercial Acceptance Company
2300 Gettysburg Road, Suite 102
Camp Hill, PA 17011
Phone: (800) 690-3857
Complaints About Commercial Acceptance Company
Many debt collectors receive complaints through the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints against CAC include:
- Incorrect information reported to credit bureaus
- Failure to verify debts
- Harassment or aggressive collection tactics
If you believe your rights have been violated, consider filing a complaint with the CFPB or BBB.
Your Rights When Dealing With Commercial Acceptance Company
The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) protect you from unfair collection practices. Here are your rights:
- CAC cannot report false or incomplete information on your credit report
- You can request written proof that the debt is valid
- They cannot threaten, harass, or use abusive language
- They must clearly identify themselves as a debt collector
- They cannot threaten you with arrest over unpaid debts
Knowing your rights can help you stay in control when dealing with collection agencies.
Get Help Removing Commercial Acceptance Company From Your Credit Report
If managing collections from CAC feels overwhelming, professional help is available. Credit Saint has over 15 years of experience helping people dispute negative items and improve their credit. They even offer a 90-day money-back guarantee for extra peace of mind.
To learn more, visit their website or call (855) 281-1510.
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.
