What does ACAGEORGIA mean on my credit report?

Is ACAGEORGIA making an impact on your credit score?

Updated January 1, 2023
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What is ACAGEORGIA?

ACAGEORGIA is shorthand for American Counseling Association of Georgia, with the company name being American Counseling Association of Georgia

Founded in 1952, the ACA is the biggest worldwide association for professionals in varied practice settings who specialize in counselling. It represents eighteen charter divisions that offer leadership, resources and information unique to specialized areas or principles of counselling. The ACA has four geographic regions that serve members in those regions.

ACAGEORGIA is a Creditor provider. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with American Counseling Association of Georgia.

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

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

How do I contact them?

Here is the current contact details for American Counseling Association of Georgia:

Address:

  • 6101 Stevenson Ave, Suite 600. Alexandria, VA 22304

Website:

Email:

Phone:

Payments

The American Counseling Association of Georgia (ACA of Georgia) is a not-for-profit organization that provides free regional networking events, free Continuing Education opportunities, and grassroots legislative action projects to members. Members can take on leadership positions, and membership is free for those who are members of the American Counseling Association. Payments for membership can be made online or by mail. ACA of Georgia also offers a mobile app for members to make payments. There are no penalties for late or missed payments.

Question Answer
Can I make payments over the phone? No
Can I make payments online? Yes
Do they offer a discount for automatic payments? No
Can I make a payment using a mobile app? Yes
Can I make a payment using a wire transfer? Yes

How to Apply

The American Counseling Association of Georgia offers loans to its members through a mobile app, website, or in person. You may need a cosigner for the loan. The organization also offers networking events, continuing education opportunities, legislative action projects, and public service announcements to its members.

Question Answer
Can I apply for a loan online? Yes
Can I apply for a loan in person? No
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.

ACAGEORGIA 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 ACAGEORGIA 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.