What does AMERICAN CB mean on my credit report?
Is AMERICAN CB making an impact on your credit score?
What is AMERICAN CB?
AMERICAN CB is shorthand for
American Credit Bureau Inc, with the company name being
American Credit Bureau Inc
AMERICAN CB 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 Credit Bureau Inc.
⚫ 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 Credit Bureau Inc:
- 1200 N Federal Hwy # 200, Boca Raton, FL 33432, United States
To make a payment, contact American Credit Bureau at 800.750.9422. They offer a one-time fee of $14.95. Refunds are available if the ACB services do not meet the customer’s needs. Payments can be made over the phone or online. Late or missed payments will incur penalties depending on the terms of the agreement between American Credit Bureau and the customer.
|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|
How to Apply
you can apply for a loan online. you cannot apply for a loan over a phone call. you cannot apply for a loan in person. you cannot apply for a loan using a mobile app. However, American Credit Bureau, Inc. offers a service that eliminates the need to pay collection agencies 35-50% commission to collect past-due accounts. This service costs $14.95. you can apply for a loan with a cosigner at American Credit Bureau.
|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?||No|
|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 CB 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.