Credit Cards Center Credit cards from our partners
Valued Member
Posts: 43
Registered: ‎06-16-2009

Asset Acceptance not reporting

I have a collection account with AACC that is not reported on my credit report. Should I pay before they report? Or do I need to a PFD letter even tho it is not reported as this time. Thanks.
Starting Score:
myfico score watch 576 (6/4/14)
Valued Contributor
Posts: 2,741
Registered: ‎08-13-2009

Re: Asset Acceptance not reporting

That is a tough one...I don't know the company.


BUT I have read horror stories about people paying CA's and **after** they paid, the CA's suddenly start reporting to the CB.


Maybe reword the letter a little to say that they will NOT report at all? 

Valued Contributor
Posts: 1,320
Registered: ‎04-18-2009

Re: Asset Acceptance not reporting

I would recommend that you DV them first...this will give you some time Then, i would try to pay the OC and fAST.


If you know you owe the money, maybe you can try to pay the OC first, pull it back from the CA.... What is the OC reporting on your credit report?


never call them - they record all conversations.



Starting Score: 682 EQ, 663 TU
Current Score: 687 EQ - 705 TU on 7/18/10
Goal Score: 700 + both EQ and TU

Take the FICO Fitness Challenge

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.