What does CENTURY CREDIT ACCEP mean on my credit report?
Learn about CENTURY CREDIT ACCEP, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is CENTURY CREDIT ACCEP?
CENTURY CREDIT ACCEP is shorthand for
Century Credit Acceptance (CCA), with the company name being
Century Credit Acceptance (CCA) Inc
The company was founded on 25 August 1971, and pioneered the first commercial version 1.0 release of the Amiga computer-a graphical user interface called “AmigaOS”.
CENTURY CREDIT ACCEP 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 Century Credit Acceptance (CCA).
⚫ You opened a credit card / loan / mortgage with this company.
⚫ Someone fraudulently opened a credit line under your name.
How do I contact them?
Here is the current contact details for Century Credit Acceptance (CCA):
- 6972 Buford Hwy., , Doraville, GA 30340
To make a payment, you can do so online, over the phone, or through a mobile app. You can also use a prepaid debit card, wire transfer, or a check or money order. There is a discount for automatic payments, and there are penalties for late or missed payments.
|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
there are three ways to qualify for loan forgiveness. Public Service Loan Forgiveness, Perkins Loan Cancellation and Discharge, and Teacher Loan Forgiveness.
|Do they offer loan forgiveness?||No|
|Do they offer loan consolidation?||No|
How to Apply
you can apply for a loan online, in person, or with a cosigner. You cannot apply for a loan over the phone or with a mobile app.
|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?||Yes|
|Can I apply for a loan using a mobile app?||No|
|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.
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 CENTURY CREDIT ACCEP 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.