Your Credit

ACA reports credit information to the three major credit bureau agencies at the end of each month. The bureaus then have 30 days to update your credit report.
Here is the contact information for each:

475 Anton Blvd.
Costa Mesa, CA 92626
(888) 397-3742

P.O. Box 2000
Chester, PA 19022
(800) 916-8800

P.O. Box 740241
Atlanta, GA 30374
(800) 685-1111

Frequently Asked Questions about Credit

How do I dispute an error on my credit report?

Contact the credit bureau that is showing the discrepancy. They will walk you through the process of filing a dispute. The bureaus then contact us and we work together to make the appropriate corrections. Because we do not have direct access to their systems, this is the most expedient way to address a dispute.

If you are not satisfied with the results of the investigation conducted by the credit agency, you may contact us directly at 1(888) 943-8343. You will be required to send us a letter including your full name, account number, a contact phone number, a copy of the credit bureau with the inaccuracy, and a description of your dispute to:

American Credit Acceptance
ATTN: Credit Disputes
961 E. Main Street
Spartanburg, SC 29302

Can I speak to someone directly about inaccuracies in my credit report?

We cannot solve a credit dispute verbally over the phone. Your privacy is extremely important to us and due to the critical nature of accurate credit reporting, issues must be resolved in writing.
We apologize for any inconvenience this may cause.

What should I do if I believe I am a victim of identity theft?

Visit the Federal Trade Commission (FTC) website.

  1. File a report with your local police or the police in the community where the identity theft took place.
  2. Place a fraud alert on your credit report so they can’t open any more accounts in your name. To do this, contact the toll-free fraud number of any of the three nationwide consumer reporting companies listed below. You need to contact only one of the three companies to place an alert as the company you call is required to contact the other two, which will then place an alert on their versions of your report. Once you place the fraud alert on your file, you’re entitled to order free copies of your credit reports.
  3. Call us at 1-866-544-3430 and notify us immediately. You will need to follow up in writing with the supporting documents.
  4. You must file a complaint online at or by phone at 1-877-IDTHEFT (438-4338); or by mail: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580.

Fraud Victim Assistance Division
P.O. Box 6790
Fullerton, CA 92834-6790

P.O. Box 740241
Atlanta, GA 30374-0241

1-888-EXPERIAN (397-3742)
P.O. Box 9554
Allen, TX 75013

I can't wait 30 days for my credit information to be updated because I am applying for another loan today. What should I do?

Contact our customer service department at 1-866-544-3430 to request a payment history. We will mail or fax this information to you immediately.

What if I want to know why my application for credit was denied ?

You have the right to know why your application for credit was rejected. If you write to us within 60 days of the application date, we will tell you the specific reason for the rejection.
Send your request to:

American Credit Acceptance
ATTN: Credit Inquiry Department
961 E. Main Street
Spartanburg, SC 29302


For more information about your rights, please visit the Federal Trade Commission website under the Equal Credit Opportunity: Understanding Your Rights Under the Law.