What does ACS/USBNA BR mean on my credit report?

Learn about ACS/USBNA BR, 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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ACS/USBNA BR is shorthand for American Chemical Society trustworthy, with the company name being American Chemical Society trustworthy

ACS/USBNA BR 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 American Chemical Society trustworthy.

  • ⚫ 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:

  • ⚫ Education

How do I contact them?

Here is the current contact details for American Chemical Society trustworthy:


  • 1155 Sixteenth Street, NW, Washington, DC 20036, US





The ACS Network is open to the chemical community in general and an ACS ID is required to join. To log in, click on the “log in” button located in the top right of the page. If having trouble logging in, then go to www.acs.org and edit the ACS record through My Account. To change the password or email address, go to www.acs.org and edit the account through My Account. To access groups, go to the link “Your Places” in the personal dropdown menu.Payments for ACS products can be made through the ACS Publishing Center. Institutional accounts can also download usage reports and manage their MAP token usage. For further information, please consult the FAQs or contact ACS. Refunds can be requested by contacting the ACS Publishing Center at 1-800-333-9511 or via email at pubs_help@acs.org.

Question Answer
Do they offer a monthly payment plan? No
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

ACS Network does not offer loan forgiveness or consolidation. To qualify for loan forgiveness, individuals should contact their institution’s account administrator to make changes and download usage reports.

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

How to Apply

You can apply for a loan online or using a mobile app. You cannot apply for a loan over the phone or in person. You may be able 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? No
Can I apply for a loan in person? No
Can I apply for a loan using a mobile app? Yes
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.

ACS/USBNA BR 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 ACS/USBNA BR 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.