What does VEHICLE ACCEP CORP mean on my credit report?

Learn about VEHICLE ACCEP CORP, 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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VEHICLE ACCEP CORP is shorthand for Vehicle Acceptance Corporation, with the company name being Vehicle Acceptance Corporation Inc

Founded in 1989, we have a single purpose: vehicle supply financing that meets your needs, so that you can do what they do best-sell cars. Meet our Leadership Team. In 1989, Mr. Neubauer founded the company. His son, Jonathan Neubauer, took over as president and CEO in 2007 and helped transform the company from consumer auto financing to direct floorplan financing.

VEHICLE ACCEP CORP 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 Vehicle 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 $3600.

  • ⚫ The typical loan duration is 18 months.

The account is classified under the following METRO2 categories:

  • ⚫ Auto Loan

How do I contact them?

Here is the current contact details for Vehicle Acceptance Corporation:


  • 901 Main St #3450, Dallas, TX 75202, United States





Payments can be made in various ways including with a debit or credit card, money order, cash, check, or wire transfer. There may be penalties for late or missed payments. Payment can also be made using a mobile app or prepaid debit card. Some businesses offer a monthly payment plan.

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? 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

loan forgiveness or consolidation is not offered. However, loan forgiveness is available for those employed full-time, enrolled in an income-driven repayment plan, and make 120 qualifying payments on their loans. Borrowers must also qualify for the specific loan forgiveness program they are applying for.

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

How to Apply

It is possible to apply for loans online, over the phone, or in person. Some lenders also offer mobile applications to make the process easier. It may be possible to increase the chance of loan approval by including a cosigner.

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? Yes
Can I apply for a loan using a mobile app? Yes
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 VEHICLE ACCEP CORP 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.