What does ACCEL RECEIV mean on my credit report?

Learn about ACCEL RECEIV, an finance offering loans for financial assistance. Check the impact to your credit report and financial status.

Updated January 1, 2023
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ACCEL RECEIV is shorthand for ACC Consumer Finance, with the company name being ACC Consumer Finance

From Fiserv Debit Solutions Accel you can deliver real time payment and fund access services that help to expand your business. The US Payments forum knowledge center offers an endorsement solution which is approved by the ABA.

ACCEL RECEIV is a Finance provider. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with ACC Consumer Finance.

  • ⚫ 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:

  • ⚫ Collection Agency/Attorney

How do I contact them?

Here is the current contact details for ACC Consumer Finance:


  • PO Box 1647
    Doylestown, PA 18901





The Accel debit payments network from Fiserv offers various methods of payment, including online, over the phone, and through a mobile app. It also has state-of-the-art fraud mitigation solutions. There may be penalties for late or missed payments, depending on the payment network and merchant’s rules. You can also make payments using a prepaid debit card or wire transfer.

Question Answer
Can I make payments over the phone? Yes
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 prepaid debit card? Yes
Can I make a payment using a wire transfer? Yes

Forgiveness and Cancellation

Loan forgiveness is available for those who choose a full-service debit network such as Accel Network from Fiserv. Loan consolidation is also available. For more information, contact Fiserv at 800-872-7882 or complete the form on their website.

Question Answer
Do they offer loan forgiveness? Yes
Do they offer loan consolidation? Yes

How to Apply

Accel debit payments network from Fiserv offers convenient, real-time payments and funds access. It provides a secure network and state-of-the-art fraud mitigation solutions. Accel offers broad channel access and expansive coverage, allowing convenient consumer transactions.

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

SmartCredit Report Example

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

ACCEL RECEIV SmartCredit 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 ACCEL RECEIV 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.