What does ACCT SVCS mean on my credit report?

Is ACCT SVCS making an impact on your credit score?

Updated January 1, 2023
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What is ACCT SVCS?

ACCT SVCS is shorthand for Account Services USA, with the company name being Account Services USA

ACCT SVCS 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 Services USA.

  • ⚫ 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 Account Services USA:

Address:

  • 1802 NE Interstate 410 Loop #400, San Antonio, TX 78217, United States

Website:

Email:

Phone:

Payments

Account Services USA offers many payment options for consumers, including SMS/Text, Email, Chat, Mail, Phone, and on-line. They also provide free credit bureau reporting and maintenance and use trusted caller ID management to reduce blocked calls. Account Services USA has been providing debt recovery services since 1970.

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

Account Services USA offers a variety of services designed to assist consumers in repaying their debts, such as multiple communication options, free credit bureau reporting, and caller ID management. However, the company does not specifically offer loan forgiveness. To qualify for loan forgiveness, one should contact a debt agency such as Account Services USA, which has over 50 years of experience and offers multiple communication channels, bilingual agents, credit bureau reporting, caller ID management and debt recovery services.

Question Answer
Do they offer loan consolidation? No

How to Apply

You can apply for a loan online, over the phone, or in person through Account Services USA. They offer flexible payment systems, free credit bureau reporting and maintenance, and multiple communication channels. They have agents that are bilingual in English and Spanish, and offer debt recovery services since 1970.

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 ACCT SVCS 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.