What does ADOBE ACCEPTANCE CORP mean on my credit report?
Learn about ADOBE ACCEPTANCE CORP, an automotive trader offering loans for financial assistance. Check the impact to your credit report and financial status.
What is ADOBE ACCEPTANCE CORP?
ADOBE ACCEPTANCE CORP is shorthand for Adobe Auto Sales Inc, with the company name being Adobe Auto Sales, Inc.
We are a full service car dealer, we believe in people, not a credit score!, we offer both in-house buying here pays much money financing or traditional banking.Our owners have a dream they want to be able to provide vehicles for any person at anytime
ADOBE ACCEPTANCE CORP is a Automotive Trader provider. They could be on your report for a number of reasons, for example:
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⚫ You missed a repayment.
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⚫ You opened an account with Adobe Auto Sales Inc.
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⚫ You opened a credit card / loan / mortgage with this company.
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⚫ Someone fraudulently opened a credit line under your name.
About the account
The account is classified under the following METRO2 categories:
- ⚫ Auto
How do I contact them?
Here is the current contact details for Adobe Auto Sales Inc:
Address:
- 4711 Avenue Q, Lubbock, TX 79412, United States
Website:
Email:
Phone:
Payments
Adobe Auto Sales offers financing options regardless of credit score, and has a wide selection of quality pre-owned vehicles. They also provide a nationwide extended warranty for added peace of mind and customer satisfaction. Customers can make payments online, over the phone, or through a mobile app. There are penalty fees for late or missed payments.
| Question | Answer |
|---|---|
| Do they offer a monthly payment plan? | Yes |
| Can I make payments over the phone? | Yes |
| Can I make payments online? | Yes |
| Can I make a payment using a mobile app? | Yes |
| Can I make a payment using a prepaid debit card? | Yes |
| Can I make a payment using a wire transfer? | Yes |
Forgiveness and Cancellation
Adobe Auto Sales offers loan forgiveness to customers with good, bad, or challenged credit. Customers can browse a virtual showroom of quality pre-owned vehicles and receive a warranty for peace of mind.
| Question | Answer |
|---|---|
| Do they offer loan forgiveness? | Yes |
| Do they offer loan consolidation? | Yes |
How to Apply
Adobe Auto Sales offers numerous ways to apply for a loan, including online, over the phone, and in person. They also have a mobile app for loan applications. They work with cosigners and have a wide selection of quality pre-owned vehicles. Adobe Auto Sales has a no-commission sales policy for customer satisfaction and offer a warranty for peace of mind when purchasing a new vehicle.
| Question | Answer |
|---|---|
| Can I apply for a loan online? | Yes |
| Can I apply for a loan over a phone call? | Yes |
| Can I apply for a loan in person? | Yes |
| Can I apply for a loan using a mobile app? | Yes |
| Can I apply for a loan with a cosigner? | Yes |
Will this affect my credit score?
Whether this account affects your credit score depends on a variety of factors, such as:
- Account Open Date: If you opened this account recently it will impact your credit, the only way to prevent this from impacting your credit score is to remove the account from your report.
- Derogatory Markings: If this account has any derogatory markings such as:
Lates, Charge Offs, Collections and others.
However, there are could be some potential positive aspects to this account which could lead to improving your credit score, such as:
- Account Age: If your account is quite old, then the age of it will positively impact your credit score
- Repayment History: If the account has no
Late Payments, Charge off Payments, then it may reflect a positive impact onto your credit score.
Can it be removed from my credit report?
Yes, with the right strategy, you will be able to remove any account from your report. But you have to be careful to ensure that the account is negative to begin with, or it will negatively impact your credit score.
However, removing a negative account will positively impact your credit score, allowing you to open new credit lines and potentially removing bad debt.
What is a Automotive Trader
A Automotive Trader is any company that buys or sells vehicles. They will report on your credit report if you bought a car on credit or took out a loan during the purchase of your car. The repayment date is normally around three years, and the interest rate is typically between 3-13%. If you fail to make payments they may hire a collections agency which will try to either:
- Collect the (alleged) missed payments
- Try to reposess the vehicle
Either option is not ideal for you life as it may cause undue distress, expecially if the debt has not been reported correctly or there has been a mistake in the reporting process. The best way to protect yourself from automotive debt collectors is to challenge then repair any potential errors on their reporting.
How do I remove ADOBE ACCEPTANCE CORP from my credit report?
You can send a dispute letter to the credit bureaus to remove this account from your report. You must send a dispute letter to all three credit bureaus, as they are legally required to remove the account from your report if it is found to be inaccurate. For best results you should send a dispute letter to the credit bureaus via certified mail, this will ensure that you have a legal record of the communication.
