What does NEWPORT ACCEPTANCE mean on my credit report?

Learn about NEWPORT ACCEPTANCE, 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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NEWPORT ACCEPTANCE is shorthand for Newport Acceptance Corporation, with the company name being Newport Acceptance Corporation Inc

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NEWPORT ACCEPTANCE 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 Newport Acceptance Corporation.

  • ⚫ You opened a credit card / loan / mortgage with this company.

  • ⚫ Someone fraudulently opened a credit line under your name.

About the account

  • ⚫ The average high credit balance is $5400.

  • ⚫ The typical loan duration is 24 months.

The account is classified under the following METRO2 categories:

  • ⚫ Collection Agency/Attorney
  • ⚫ Auto Loan

How do I contact them?

Here is the current contact details for Newport Acceptance Corporation:


  • 2552 Walnut Ave Ste 160, Tustin, CA 92780, United States





To make a payment, you must obtain and provide proof of full coverage auto insurance that meets a $500 deductible, comprehensive and collision coverage, and includes the Loss Payee as Newport Acceptance Corporation. You then must email the declaration page to poi@newportacceptance.com or use the form provided. If you fail to obtain the required auto insurance, an insurance policy will be purchased for you and added to your loan balance with an increase in payment.There are penalties for late or missed payments, including additional interest expense and the cost of purchasing insurance to protect the vehicle, which will be added to the loan balance.Prepaid debit cards are accepted as a form of payment. Wire transfer is not accepted as a form of payment.

Question Answer
Do they offer a monthly payment plan? No
Can I make payments over the phone? No
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? No

Forgiveness and Cancellation

they do not offer loan forgiveness or consolidation. However, if you maintain full coverage auto insurance with a $500 deductible, comprehensive and collision coverage, and a loss payee, as well as provide your insurance declaration page to Newport Acceptance Corporation, you may qualify for loan forgiveness. The policy only covers the vehicle securing your account and does not satisfy California’s liability insurance requirement.

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

How to Apply

Newport Acceptance Corporation offers loans that can be applied for online through their website. You cannot apply for a loan over the phone or in person, and a cosigner is not necessary.

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? No
Can I apply for a loan with a cosigner? No

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 NEWPORT ACCEPTANCE 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.