What does AMERICAN CAPITAL ENT mean on my credit report?

Is AMERICAN CAPITAL ENT making an impact credit score?

Updated May 1, 2022

What is AMERICAN CAPITAL ENT?

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. 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:

Address:

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

Website:

Phone:

  • 951-695-3372

SmartCredit Report Example

  • This is an example of what this creditor will look like on your SmartCredit report.

AMERICAN CAPITAL ENT 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 AMERICAN CAPITAL ENT 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.