Who is Regional Acceptance?
Regional Acceptance Corporation (RAC) is an auto finance company headquartered in Greenville, North Carolina. They specialize in sub-prime automotive financing and prime-to-near-prime portfolio acquisitions.
You may see Regional Acceptance listed on your credit report as a collections account. This can happen if you’ve defaulted on your car loan.
Regional Acceptance Collections
Regional Acceptance collections can hurt your credit score and remain on your credit report for up to 7 years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to have it removed before 7 years and you may not even have to pay it.
(Debt collectors prefer that we didn’t tell you this, but it’s something you should know.)
Lexington Law is a credit repair company that helps people fix their credit. You may not even have to pay any of the debts on your credit report.
In addition to collections, Lexington Law will help you challenge (and possibly remove) other inaccurate information from your credit report. These items include inquiries, late payments, charge offs, foreclosures, repossessions, judgments, tax liens, and bankruptcies.
Call Lexington Law now to learn more: (800) 220-0084
Regional Acceptance Corporation Contact Information
Address:
1424 E Fire Tower Rd
Greenville, NC 27858
Website: https://www.regionalacceptance.com
Phone number: (866) 644-7687 or (877) 722-7299
Should I contact or pay Regional Acceptance?
Nothing good can come from contacting a collection agency like Regional Acceptance. And making payments on the debt will reset the clock. Not only will it not help your credit, but it could actually make it worse.
The best way to deal with Regional Acceptance is to contact a professional credit repair service. They have deleted millions of negative items from companies like Regional Acceptance for millions of clients nationwide.
And they can help you too.
Will Regional Acceptance sue me?
It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They will help you dispute the debt and possibly get it removed from your credit report. It’s also quite possible that you will never hear from or have to deal with Regional Acceptance again.
Call Lexington Law to learn how they can help you avoid lawsuits and remove negative items from your credit report that will significantly improve your credit scores.
Regional Acceptance Complaints
Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). It’s because they often report accounts inaccurately and/or for harassment. If you are being harassed by a debt collector, 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). Lexington Law knows that you have rights and Regional Acceptance does too.
Can Regional Acceptance collections be removed from my credit report?
Lexington Law specializes in disputing Regional Acceptance collection accounts. They have over 28 years of experience and have removed over 10 million negative items for their clients in 2018 alone.
Get Your Collections Removed Today!
If you’re looking for a reputable company to help you with collection accounts and repair your credit, we HIGHLY recommend Lexington Law.
Call them at (800) 220-0084 for a free credit consultation. They have helped plenty of people in your situation and have paralegals standing by waiting to take your call.