What does ACIMA CREDIT FKA SIMPL mean on my credit report?

Is ACIMA CREDIT FKA SIMPL making an impact on your credit score?

Updated January 1, 2023
Header image

What is ACIMA CREDIT FKA SIMPL?

ACIMA CREDIT FKA SIMPL is shorthand for Acima, with the company name being Acima

Above helps people from all backgrounds live a better quality of life with easier access to the things they need and wants — all without credit*!Our Lease-To-Own Solutions reporting payment history to Experian.Our proprietary technology allows customers to shop via our Mobile App, Online or At Stores Thousands of Retailers Across The Nation.

ACIMA CREDIT FKA SIMPL 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 Acima.

  • ⚫ 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:

  • ⚫ Lease
  • ⚫ Collection Agency/Attorney
  • ⚫ Education

How do I contact them?

Here is the current contact details for Acima:

Address:

  • 13907 Minuteman Dr 5th Floor, Draper, UT 84020, United States

Website:

Email:

Phone:

Payments

To make a payment, select the payment method of your choice and enter your billing information. You may need to provide a valid credit or debit card number, expiration date, security code, and billing address. Once you have entered the required information, submit the payment and the amount will be deducted from your account. Customers can pay for purchases with partial payments over a period of time, rather than a lump sum payment upfront. Payment plans are flexible and can be tailored to individual customer needs. To request a payment refund, you will need to contact the company from which you made the purchase. Depending on their terms and conditions, they may refund the payment either in full or partially. It is also possible to dispute the charge with your financial institution if the company is unresponsive or unable to provide a refund. Many companies offer the option to make payments by calling a customer service representative and providing payment information over the phone. Many websites offer online payment services such as PayPal, Stripe, Venmo, Apple Pay, and Google Pay. These services allow you to securely make payments online with a debit or credit card. We offer a 10% discount for customers who choose to set up automatic payments. Customers can also use a check or money order to pay for their purchase. All checks must be made out to the store, and money orders must be purchased with cash or a debit card. Most apps have integrated payment systems that allow you to securely make payments directly from your device. Additionally, many banks and other financial institutions offer their own apps with built-in payment capabilities. If payments are missed or made late, there may be penalties or fees associated with them. Depending on the terms of the agreement, late payments may incur interest charges or other types of penalties. Many retailers and businesses accept prepaid debit cards as a form of payment. However, not all services and businesses accept prepaid debit cards, and it is best to check with the specific business before attempting to use the card. A wire transfer allows you to send funds from one bank account to another quickly and securely. It is important to be aware of any potential fees associated with the transfer, as well as the time frame for the transfer to be completed.

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? 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

Forgiveness and Cancellation

The company offers loan forgiveness to borrowers who make a certain number of consecutive on-time payments. Loan consolidation is offered by many banks and allows customers to combine all of their loans into one loan with a single monthly payment. To qualify for loan forgiveness, borrowers must meet certain requirements, such as making a certain number of on-time, full payments, working in certain occupations, or participating in certain loan repayment programs.

Question Answer
Do they offer loan forgiveness? No

How to Apply

It is possible to apply for a loan online, over the phone, in person, or using a mobile app. Many lenders also allow you to apply for a loan 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? 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.

ACIMA CREDIT FKA SIMPL 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 ACIMA CREDIT FKA SIMPL 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.