What does ACCESSITY FKA ACCION S mean on my credit report?

Is ACCESSITY FKA ACCION S making an impact on your credit score?

Updated January 1, 2023
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What is ACCESSITY FKA ACCION S?

ACCESSITY FKA ACCION S is shorthand for Accessity, with the company name being Accessity

ACCESSITY FKA ACCION S 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 Accessity.

  • ⚫ 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:

  • ⚫ Business Loan

How do I contact them?

Here is the current contact details for Accessity:

Address:

  • 404 Euclid Ave, Suite 271
    San Diego, CA 92114

Website:

Email:

Phone:

Payments

Accessity offers small business loans with interest rates, loan terms, and minimum credit scores. They do not provide lines of credit or personal loans, but do provide Small Business Administration loans. There are certain industries Accessity cannot lend to. They do provide help with credit and budgeting, and report to credit agencies. Payments can be made online, and they accept prepaid debit cards and wire transfers as forms of payment. There are no penalties for late or missed payments, but repayment is expected on the agreed upon due date.

Question Answer
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

How to Apply

You can apply for a loan online, over the phone, or through a mobile app with Accessity. They offer small business loans, lines of credit and personal loans. You may apply with a cosigner. They also provide help with credit and budgeting and report to credit agencies.

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

IdentityIQ Report Example

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

ACCESSITY FKA ACCION S 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 ACCESSITY FKA ACCION S 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.