Who is AcceptanceNOW?
AcceptanceNOW is a division of rent-to-own industry leader Rent-A-Center, Inc. They offer financing for furniture, appliance, and other retail stores.
AcceptanceNOW is headquartered in Plano, Texas. You may see AcceptanceNOW listed on your credit report as a collections account. This can happen if you didn’t pay a bill.
AcceptanceNOW Retail Partners
Some of their retail partners include:
- ABC Warehouse
- American Signature Furniture
- Ashley Furniture HomeStore
- Big Sandy Superstore
- Bob’s Discount Furniture
- Furniture City
- Home Decor Outlets
- Market Warehouse Furniture
- Mathis Brothers Furniture
- Rooms To Go
- Slumberland Furniture
- Value City Furniture
How can I remove Acceptance Now Collections from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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AcceptanceNOW Contact Information
Address:
ATTN: AcceptanceNOW Customer Service
5501 Headquarters Dr.
Plano, TX 75024
Phone number: (770) 574-4224
Should I contact or pay Acceptance Now Collections?
You may want to contact AcceptanceNOW customer service to see if you can work something out with the company. However, in general, speaking to a debt collection agency on the phone once they’ve reported you to the credit bureaus.
Making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it.
The most effective way to deal with Acceptance Now collections is to work with a credit repair professional. They help remove millions of negative items every year from companies like Acceptance Now Collections on behalf of their clients.
Will Acceptance Now Collections sue me or garnish my wages?
Acceptance Now Collections does have the legal right to sue for unpaid debts. If a lawsuit is filed and they win the case, they may be able to garnish your wages, levy your bank accounts, or place a lien on your property to collect the amount owed, depending on state laws.
However, it’s important to remember that lawsuits are generally considered a last resort due to the time, cost, and effort involved. In most cases, Acceptance Now Collections would likely prefer to work with debtors to establish a feasible payment plan or negotiate a settlement agreement.
Acceptance Now Collections Complaints
Many collection agencies have numerous complaints filed 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 a debt collection company, 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 disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with Acceptance Now Collections
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for Acceptance Now 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. They have 30 days to prove the debt is yours and the amount is accurate.
- Acceptance Now cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- Acceptance Now must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- Acceptance Now cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove Acceptance Now collections From Your Credit Report Today!
Credit Saint offers assistance with disputing Acceptance Now collections. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
