![]() If you’ve forgotten to make a payment (or a few) on that new refrigerator or sectional you bought eight months ago, do your best to pay the debt as soon as possible. Though AcceptanceNOW is not a debt collection agency, you will get a derogatory mark from them if you miss a payment. What To Do When the AcceptanceNOW Charge is Not an Error At this point, you can choose to provide a statement to keep on file with your credit reporting company, or you can file a lawsuit against them if you feel that your credit has been dramatically hurt by this derogatory mark. Sometimes, though, the company will ignore your request or resign your dispute to “frivolous” status. Don’t forget to look over your report after every unexpected change in your score to catch mistakes like this in the future. They may be listed under this name or as “TRS Home Furnishings.” Search your email to determine if you’ve ever been given an AcceptanceNOW login username and password.Īfter contacting both places, your derogatory mark should be erased from your credit report. You should be able to find their contact information directly on your credit report. This may be TransUnion, Equifax, or Experian. Contact your credit reporting company.If your derogatory mark is wrong and it shouldn’t be on your report, take the following steps to clear up this error: Consumer Financial Protection Bureau, you should contact the company that provides your credit report as well as the company involved in the dispute. If you’ve discovered an error of any type on your credit report, you should go through the proper channels to dispute this error. What To Do When the AcceptanceNOW Credit Report Charge is an Error Learn what to do in this situation as well as if you see a legitimate derogatory mark on your report. If your AcceptanceNOW mark is a complete error (for example, if you did not enter into a lease-to-own agreement of any type), then you should immediately take action. How To Remove AcceptanceNOW From Your Credit Report If you do see a derogatory mark and you feel that this is in error, read on to determine what your next steps should be. This arrangement didn’t put you into debt, but it does mean that you need to make payments at a certain time or you may see a derogatory mark on your credit report. When you bought your new appliance or furniture and signed a lease-to-own agreement, you entered into an agreement to make payments on this item until it was paid off. However, you do need to be aware of what it means to have a derogatory mark on your credit report from AcceptanceNOW. You don’t need to worry that this company is taking money from you without your consent. They are also not a debt collection agency. ![]() Household appliances such as washers, dryers, dishwashers, and refrigerators.Bedroom furniture such as dressers, armoires, and bedframes.Dining room furniture such as dining sets, chairs, tables, china cabinets, and buffet tables.Living room furniture such as couches, loveseats, and entertainment centers. ![]() AcceptanceNOW works with brand-name manufacturers and suppliers that sell the following products: You simply didn’t know about this third-party company involved in your transaction when you bought your new dryer, dining room set, or sleigh bed frame. You may have unknowingly involved yourself with AccepanceNOW - but that doesn’t mean you’re being scammed. What Debts Does AcceptanceNow Deal With?īefore you call to report a scam, learn more about this lease-to-own company as well as the type of supplier they often contract with. They boast the ability to help consumers finance their large purchases without the need for adequate credit.
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