topic Re: Acceptance Now removal in Rebuilding Your Credit

Acceptance Now removal

Anonymous — Sat, 18 Jul 2020 16:27:34 GMT

Hello friends! Credit repair is going really well. The answers here have literally changed my life! So I have another question. I have an acceptance now account I want to remove. Here's the caveat, it is not a charge off and was never in collections. I had an account with them previously for grossly overpriced furniture but when your credit sucks (used to suck) and you suck (used to suck) at making financial decisions, this is where you land for handouts. Anyway. I paid my first purchase off with perfect payment history over the course of three years. Then I bought another set of furniture and paid that all the way off with perfect history up until the last, you heard it LAST PAYMENT DUE. Husband lost his job and it was just one of the many things we tried to juggle. So they didn't chargeoff the account because it was so odd based on the history. The regional manager called and we happened to have the money available that week because #NewJob #FirstPaycheck they were really nice and we paid that last payment (it was literally only $184). So then the payment history updated and account closed in current standing. But those late month killed my score. I was in the high 400's in March and now I'm at 663, 657, and 616 FICO 8. I am wondering if anyone has advice on how to get the late payments removed or the tradeline removed completely on the second account with them. I tried calling about 2 months ago but they were like "sorry we dont do that" and that was it. So any ideas I am wide open for advice!

Re: Acceptance Now removal

FireMedic1 — Sat, 18 Jul 2020 17:28:02 GMT

All you can do is go for the GW saturation. Or call the main office and beg. Getting tradelines deleted is next to impossible. Plus why would you over 1 late payment. If its just a 30 day. It will lose its ding in 2 yrs. Theres more positive than neg on it. Even if UW's look at it. It was only the last payment that was bad. Good Luck!

https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/The-Saturation-Technique-Best-GW-adjustment-odds/td-p/4727098

Re: Acceptance Now removal

Anonymous — Sat, 18 Jul 2020 18:00:29 GMT

Ugh I was worried about that. I'll try saturation. I should have added, it was the last payment but it took me months to finally pay it. So that's why I think it hurts me so much because 1. It was 120 late, and 2. Because it's so recent if it was just 30 days I would live with it, but I just dont want to with it at 120. Also please don't judge me for the battery charge LOL

22CD657A-9E07-4194-BA02-57A06FFBA938.jpeg

Re: Acceptance Now removal

Anonymous — Sat, 18 Jul 2020 18:08:22 GMT

It will lose half of its sting at approximately 2 years. You should get some points at 6 and 12 months also, and by 24 months, about half of the penalty will be removed.

Goodwill is all you’ve got. @FireMedic1 is right, time to beg.

Re: Acceptance Now removal

Anonymous — Fri, 31 Jul 2020 17:20:03 GMT

Hi @Anonymous I was able to get AcceptanceNow removed from my Transunion and Experian credit report but had to pay the full balance and contact the coporate office. I can ping you the contact info for the manager who was able to assist me.

Re: Acceptance Now removal

Anonymous — Fri, 31 Jul 2020 17:22:36 GMT

OH my gosh yes please! I searched for the ceo email for hours and can't find it anywhere. I felt like sending a note on linked in was just too intrusive so I would be absolutely eternally grateful! My balance is already paid off, I just want it gone forever!! Thank you thank you!

Re: Acceptance Now removal

Anonymous — Fri, 31 Jul 2020 17:34:13 GMT

@Anonymous PM sent! Good luck and pray it all works out!

Re: Acceptance Now removal

Anonymous — Fri, 31 Jul 2020 17:37:28 GMT

Thank you so much!

Re: Acceptance Now removal

Anonymous — Wed, 26 Aug 2020 20:12:53 GMT

Hello,

I saw your reply. If you don't mind I really need the contact information as well. Thank you so much

Re: Acceptance Now removal

Anonymous — Sat, 29 Aug 2020 06:12:21 GMT

AN sucks so much. Make sure you get the name of who you talk to in the corporate office. They have a credit branch and they can help.

Re: Acceptance Now removal

Anonymous — Sun, 30 Aug 2020 21:19:03 GMT

Sure I'll pm you what I got. It didn't work for me as the contact is for a different region, but fingers crossed it does for you!

Re: Acceptance Now removal

Anonymous — Sun, 30 Aug 2020 21:19:40 GMT

Yeah I'll avoid the AN trap forevermore

Re: Acceptance Now removal

Anonymous — Tue, 01 Sep 2020 03:41:55 GMT

@Anonymous @Can you please send me the information too. Thank You

Re: Acceptance Now removal

Anonymous — Tue, 01 Sep 2020 04:06:33 GMT

For sure!

Re: Acceptance Now removal

Anonymous — Thu, 29 Oct 2020 00:36:16 GMT

Hello fixing3. Do you still have info for contact at Acceptance Now?

Re: Acceptance Now removal

Anonymous — Mon, 02 Nov 2020 03:46:06 GMT

After months of getting the runaround I did a complaint on BBB and they called me the next to fix it.

https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Acceptance-Now-Sucks/m-p/6148237

Re: Acceptance Now removal

Anonymous — Sun, 20 Dec 2020 03:32:41 GMT

hello could you please pm me the contact as well thank you! Im working hard to get from under Acceptance Now.

@Anonymous wrote:
Sure I'll pm you what I got. It didn't work for me as the contact is for a different region, but fingers crossed it does for you!

Re: Acceptance Now removal

Anonymous — Mon, 21 Dec 2020 08:48:58 GMT

I would contact the Corporate office - i used to work there years ago but have since moved on from them and now in the Corporate world - don't recommend them even for building credit.

The District Managers and Regional Directors don't have that kind of authority to overwrite anything related to your credit or account balance - many only see the percentages of money collected as this effects their numbers and bonuses. Contact corporate and see what they are able to do for you. If you don't have record already, I would contact the store for a history of your payment records as it may come in handy down the road if they aren't willing to cooperate

Re: Acceptance Now removal

Anonymous — Wed, 07 Jul 2021 22:20:10 GMT

Hi @Anonymous please provide insight on how you were able to pay in full for deletion for Acceptance Now. I am looking to get rid of them. Thank you.

Re: Acceptance Now removal

Anonymous — Wed, 07 Jul 2021 23:28:27 GMT

@Anonymous

if you don't mind, please share the contact information used to remove acceptance now.

thank you!!!