What does ACAPITAEDF mean on my credit report?

Is ACAPITAEDF making an impact on your credit score?

Updated January 1, 2023
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What is ACAPITAEDF?

ACAPITAEDF is shorthand for American College of Physicians, with the company name being American College of Physicians

ACAPITAEDF is a School provider. They could be on your report for a number of reasons, for example:

  • ⚫ You missed a repayment.

  • ⚫ You opened an account with American College of Physicians.

  • ⚫ 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 American College of Physicians:

Address:

  • 190 North Independence Mall West
    Philadelphia, PA 19106-1572

Website:

Email:

Phone:

Payments

The Affordable Connectivity Program provides a monthly discount on internet service of up to $30 per eligible household (or up to $75 per eligible household on Tribal lands). Various internet providers, including those offering landline and wireless services, are participating in the program. Payments can be made online, over the phone, or using a mobile app. Driving directions and public transportation information is available for the Philadelphia and Washington offices, and there is a public parking garage and parking meters available at the Washington office.

Question Answer
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

The Affordable Connectivity Program provides eligible households a monthly discount of up to $30 per eligible household (or up to $75 per eligible household on Tribal lands). Various internet providers are participating in the program, depending on where the household is located. More information about eligibility and application can be found at www.fcc.gov/affordable-connectivity-program-providers.

Question Answer
Do they offer loan consolidation? Yes

How to Apply

It is possible to apply for a loan online, over the phone, or in person. The American College of Physicians (ACP) provides directions and information about parking and public transportation for their Philadelphia and Washington offices. It is possible to access Google for driving directions to their offices and meters and kiosks are available on neighboring streets for on-street parking. Parking is also available 24/7 at Union Station. Eligible households can enroll for the Affordable Connectivity Program by visiting AffordableConnectivity.gov or through an approved provider. The program provides a monthly discount on internet service of up to $30 per eligible household (or up to $75 per eligible household on Tribal lands). Various internet providers, including those offering landline and wireless services, are participating in the program and can be found by state on the FCC’s website. ACP also has a mobile app that can be used to apply for a loan.

Question Answer
Can I apply for a loan online? Yes
Can I apply for a loan over a phone call? Yes
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.

ACAPITAEDF 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 ACAPITAEDF 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.