What does AMERICAN CAPITAL ENT mean on my credit report?

Learn about AMERICAN CAPITAL ENT, 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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AMERICAN CAPITAL ENT is shorthand for American Capital Enterprises, with the company name being American Capital Enterprises

Weservices the California health care, governmental and financial industry as well as the California trade community. Special projects Bad Debts We Provide All Traditional Contingency Services As Well As Unique Programsto Meet Our Client’S Needs. Since Inception,Our Commitment Has Been To Utilize The Most Advanced TechnologiesInAll Phases Of Receivables Management.

AMERICAN CAPITAL ENT 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 Capital Enterprises.

  • ⚫ 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 American Capital Enterprises:


  • 27919 Jefferson Ave STE 206, Temecula, CA 92590, United States




Payments can be made to California Debt Recovery Specialists at their address: 41870 Kalmia St. #120, Murrieta, CA 92562. Payments can be made over the phone at 951-695-3372 (local) or 800-695-1295 (toll free). Alternatively, clients can contact the Marketing and Sales Department for more information.American Capital offers a monthly payment plan and clients can receive a payment refund by contacting customer service. Payments can be made over the phone or online and American Capital offers custom programs including bad debt purchases and the latest technology in all phases of receivables management.Late or missed payments can incur various penalties, depending on the creditor’s policies. It is important to work with a reputable collection agency such as American Capital to ensure that debtors receive appropriate services and debt counseling.

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

American Capital is a full-service collection agency and financial services provider with over three decades of proven success. They specialize in California debt collection and offer bad debt purchases. They also utilize the latest technology. To qualify for loan forgiveness, contact American Capital in Murrieta, California at 800-695-1295.

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

How to Apply

You can apply for a loan online, over the phone, or in person. You can also apply for a loan using a mobile app. If you need a cosigner, that is also an option.

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

SmartCredit Report Example

  • This is an example of what this creditor will look like on your 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 AMERICAN CAPITAL ENT 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.