What does ACCT RES CRP mean on my credit report?

Is ACCT RES CRP making an impact on your credit score?

Updated January 1, 2023
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What is ACCT RES CRP?

ACCT RES CRP is shorthand for Account Resolution Corporatio, with the company name being Account Resolution Corporatio

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ACCT RES CRP 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 Account Resolution Corporatio.

  • ⚫ 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 Account Resolution Corporatio:

Address:

  • 700 Goddard Ave. Chesterfield, MO 63005

Website:

Email:

Phone:

Payments

To make a payment, please contact the Chesterfield Chamber of Commerce at 636.532.3399, visit their FAQ page at http://www.chesterfield.mo.us/faq.html, or make a payment online. Other payment options such as checks and money orders are accepted. Late or missed payments may be subject to late fees or other penalties. The Chesterfield Chamber of Commerce offers a 401(k) plan, festive parties with food and drink, holiday vendors, wine pull, prizes, and a silent auction. They also offer a Leadership Chesterfield program with eight sessions tailored for Chesterfield professionals and a chamber directory to update your listing.

Question Answer
Do they offer a monthly payment plan? No
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 prepaid debit card? Yes
Can I make a payment using a wire transfer? Yes

Forgiveness and Cancellation

There are several financial relief and assistance programs that may offer loan forgiveness in Chesterfield, MO. Specifically, information can be found on the Chesterfield Chamber of Commerce website at http://www.chesterfield.mo.us/faq.html.

Question Answer
Do they offer loan consolidation? Yes

How to Apply

You can apply for a loan online, over the phone, or with a cosigner.

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? No
Can I apply for a loan using a mobile app? No
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.

ACCT RES CRP 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 ACCT RES CRP 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.