What does AACSC mean on my credit report?

Learn about AACSC, an apartment association offering loans for financial assistance. Check the impact to your credit report and financial status.

Updated January 1, 2023
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What is AACSC?

AACSC is shorthand for Apartment Association California Southern Cities, with the company name being Apartment Association, California Southern Cities LLC

AACSC is a Apartment Association provider. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with Apartment Association California Southern Cities.

  • ⚫ You opened a credit card / loan / mortgage with this company.

  • ⚫ Someone fraudulently opened a credit line under your name.

About the account

The account is classified under the following METRO2 categories:

  • ⚫ Auto
  • ⚫ Auto Loan
  • ⚫ Collection Agency/Attorney

How do I contact them?

Here is the current contact details for Apartment Association California Southern Cities:


  • 333 W Broadway #101, Long Beach, CA 90802, United States





AACSC members have access to forms such as F03- Receipt of Application Screening Fee and F54- Third-Party Acknowledgement for Payment in order to make a payment. You can also contact AACSC at 562.426.8341, or email info@aacsc.org in order to get a payment refund. AACSC also accepts payments over the phone and offers an online payment option for members. Additionally, AACSC accepts other payment options such as using a check or money order. You can also make a payment using a mobile app by donating to the AACSC PAC. Late or missed payments may incur penalties, though the specific penalties incurred depend on the terms of the rental agreement outlined by the tenant and landlord. Finally, you can make a payment using a wire transfer or ACH payment. These payments are done electronically and normally take 24 to 72 hours for transfer of funds. Instructions for requesting a wire transfer or ACH payment can be submitted through Expense Requests or iProcurement.

Question Answer
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

The Department of Education offers the Public Service Loan Forgiveness program which offers loan forgiveness for borrowers that meet the necessary eligibility requirements, including eligible loans, required payments while enrolled in an eligible repayment plan, and working for an eligible employer. they offer loan consolidation. Consolidation allows borrowers to combine one or more existing student loans into a single new loan with a new repayment schedule, resulting in lower monthly payments, but more interest over the life of the loan due to smaller payments over a longer time period. Consolidations are processed through the Federal Direct Loan Program (FDLP). Visit StudentAid.gov to get more details and apply for a consolidation loan.

Question Answer
Do they offer loan consolidation? Yes

How to Apply

You can apply for a loan online by visiting the AACSC website and submitting an application. AACSC also provides a mobile application to apply for loans. you can apply for a loan with a cosigner. Some lenders that offer personal loans with cosigner support include LightStream, LendingClub, OneMain Financial, Santander Bank, N.A, and Old National Bank.

Question Answer
Can I apply for a loan online? Yes
Can I apply for a loan using a mobile app? Yes
Can I apply for a loan with a cosigner? Yes

IdentityIQ Report Example

  • This is an example of what this creditor will look like on your IdentityIQ report.

AACSC IdentityIQ Report

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.

How do I remove AACSC 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.