What does ACCESS CRDT mean on my credit report?

Learn about ACCESS CRDT, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.

Updated January 1, 2023
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ACCESS CRDT is shorthand for Access Credit Management INC, with the company name being Access Credit Management INC

ACCESS CRDT 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 Access Credit Management INC.

  • ⚫ 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 Access Credit Management INC:


  • Huron Building
    11225 Huron Ln, Little Rock, AR 72211





Arkansas Collectors offers different methods of payment, including online, over the phone, and through a mobile app. Checks and money orders are also accepted. There are penalties for late or missed payments, which can include additional fees and an increased interest rate.

Question Answer
Do they offer a monthly payment plan? Yes
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

The Fair Debt Collection Practices Act (FDCPA) covers credit card debt, auto loans, medical bills, student loans, and mortgage debts, but not business debts. Debt collectors cannot contact you before 8 a.m. or after 9 p.m. unless you agree to it, and they are not allowed to contact you at work if you tell them you’re not allowed to get calls there. You can stop a debt collector from contacting you by sending them a letter and keeping a copy. Loan consolidation services are offered by Arkansas Collectors, but loan forgiveness is not. To qualify for loan forgiveness, borrowers must meet certain eligibility criteria. Depending on the type of loan and other factors, eligibility requirements may include enrolling in an income-driven repayment plan, making timely payments for a certain period of time, working in a public service job, or meeting other criteria.

Question Answer
Do they offer loan forgiveness? No
Do they offer loan consolidation? Yes

How to Apply

It is possible to apply for a loan online, over the phone, or in person. Many loan providers offer mobile apps that allow users to apply for a loan online. It is typically a good idea to have a cosigner when applying for a loan, as it may increase your chances of approval and may even help you secure a better interest rate.

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.

How do I remove ACCESS CRDT 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.