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Get AFS Acceptance Off your Credit Report

Last updated 07/18/2024 by

Silas Bamigbola

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AFS Acceptance, now known as FinBe USA, is a debt collection agency that may appear on your credit report if they are attempting to collect a debt from you. This article explores who AFS Acceptance collects for, how they affect your credit score, and the steps you can take to remove them from your credit report. It also covers common questions about dealing with AFS Acceptance, providing tips and strategies to manage their impact on your financial health.
AFS Acceptance, now operating as FinBe USA, is a debt collection agency that can significantly impact your credit report and financial health. Understanding how they operate, whom they collect for, and your rights can help you navigate the challenges they present. This article provides a detailed guide on AFS Acceptance, offering strategies to remove their entries from your credit report and improve your credit score.

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What is AFS Acceptance?

The role of AFS Acceptance

AFS Acceptance, now operating as FinBe USA, is a debt collection agency that reports collection accounts on credit reports. They often purchase debts from original creditors, such as credit card or loan companies, usually for a fraction of the original debt’s value. In some cases, they may not own the debt but are paid to collect on behalf of another company. This collection activity can negatively impact your credit score and make it challenging to secure loans or other financial products.

Who does AFS Acceptance collect for?

AFS Acceptance collects debts for various lending companies. These creditors can include credit card companies, auto lenders, and personal loan providers who have written off the debt as uncollectible and sold it to AFS Acceptance. The specific creditors AFS Acceptance collects for can change frequently, and they typically do not disclose this information publicly.

How does AFS Acceptance affect your credit score?

Impact of collection accounts

When AFS Acceptance reports a collection account on your credit report, it can severely impact your credit score. Collection accounts are considered derogatory marks and can lower your credit score by several points. This negative impact can affect your ability to get approved for new credit, secure favorable interest rates, or even rent an apartment.

Derogatory marks and statute of limitations

Derogatory marks, including collection accounts, remain on your credit report for up to seven years from the date of the first delinquency. During this period, they can significantly affect your credit score and financial opportunities. However, if the information reported by AFS Acceptance is incorrect, outdated, or fraudulent, you have the right to dispute it and potentially have it removed.

Pro tip

Regularly monitor your credit report to identify any erroneous or fraudulent accounts. Promptly disputing these inaccuracies can help protect your credit score and financial health.

Steps to remove AFS Acceptance from your credit report

1. Verify the debt

The first step in removing AFS Acceptance from your credit report is to verify the debt. Request a debt validation letter from AFS Acceptance to ensure that the debt is accurate and that they have the right to collect it. Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request this information within 30 days of receiving the initial communication from the debt collector.

2. Dispute inaccurate information

If you find any inaccuracies in the information reported by AFS Acceptance, you can dispute it with the credit bureaus. Write a detailed dispute letter explaining the errors and provide supporting documentation. The credit bureaus will investigate your claim and, if they find it valid, will remove or correct the erroneous information on your credit report.

3. Negotiate a pay-for-delete agreement

In some cases, you may be able to negotiate a pay-for-delete agreement with AFS Acceptance. This involves agreeing to pay the debt (or a portion of it) in exchange for AFS Acceptance removing the collection account from your credit report. While not all debt collectors agree to this, it can be an effective way to improve your credit score if successful.

4. Seek professional help

If you’re struggling to deal with AFS Acceptance on your own, consider seeking help from a credit repair professional. These experts can analyze your credit report, identify errors or inaccuracies, and help you navigate the dispute process. They can also negotiate with debt collectors on your behalf to remove negative entries from your credit report.

Pro tip

When negotiating with debt collectors, always get agreements in writing. This ensures you have proof of the terms agreed upon, which can be crucial if any disputes arise later.

Pro tip

Consider setting up a payment plan if you’re unable to pay the debt in full. Many debt collectors are willing to work with you to establish a manageable repayment schedule.

Request all correspondence in writing

Ensure a documented record of communications with AFS Acceptance by requesting written correspondence. Contact AFS Acceptance at the following address:
FinBe USA contact information
1475 W. Cypress Creek Rd. Suite #300, Fort Lauderdale, FL 33309
Phone: +1 866-423-2522

How to file a complaint against AFS Acceptance

If you believe AFS Acceptance has violated your rights or engaged in unfair practices, you can file a complaint against them. Here are the steps to follow:
  1. Gather all relevant documentation, including letters, emails, and notes from phone calls.
  2. File a complaint with the Consumer Financial Protection Bureau (CFPB).
  3. Submit a complaint to your state’s Attorney General’s office. Find your state’s Attorney General’s website for details on how to file.

Understanding your rights under the FDCPA

The Fair Debt Collection Practices Act (FDCPA) provides consumers with rights and protections against abusive debt collection practices. Knowing your rights can help you manage interactions with AFS Acceptance effectively.
  • Right to be informed: Debt collectors must provide you with information about the debt they are collecting, including the amount owed and the name of the creditor.
  • Right to dispute: You have the right to dispute the debt within 30 days of receiving the initial notice. The collector must provide verification of the debt if you dispute it.
  • Protection from harassment: Debt collectors cannot use abusive or harassing tactics, such as threatening violence or using obscene language.

Steps to take if AFS Acceptance violates your rights

If AFS Acceptance violates your rights under the FDCPA, you can take several steps to protect yourself and seek redress:
  1. Document all interactions with AFS Acceptance, including dates, times, and details of conversations.
  2. Send a cease and desist letter to AFS Acceptance, requesting that they stop contacting you.
  3. File complaints with the CFPB and your state’s Attorney General’s office, as mentioned above.
  4. Consider consulting with a consumer rights attorney to explore your legal options.

Tips for negotiating with AFS Acceptance

When negotiating with AFS Acceptance to settle your debt, consider the following tips to increase your chances of a favorable outcome:
  • Be prepared: Gather all relevant information about your debt and your financial situation before entering negotiations.
  • Stay calm and professional: Keep your communication respectful and avoid getting emotional, even if the collector is aggressive.
  • Negotiate in writing: Always get any agreements in writing to ensure there is a clear record of the terms.
  • Know your limits: Determine what you can realistically afford to pay and stick to your budget during negotiations.


Dealing with AFS Acceptance and other debt collectors can be challenging, but understanding your rights and the steps you can take to protect your credit score is essential. By verifying the debt, disputing inaccuracies, and negotiating with the collection agency, you can potentially remove negative entries from your credit report and improve your financial health. Seeking professional help can also provide valuable support and increase your chances of successfully resolving your debt issues.

Frequently asked questions

Is AFS Acceptance a legitimate company?

Yes, AFS Acceptance, now known as FinBe USA, is a legitimate debt collection agency. They purchase debts from various creditors and attempt to collect on them. However, their aggressive collection tactics, such as frequent calls and letters, can be stressful and intimidating.

Should I pay AFS Acceptance?

Paying AFS Acceptance can be a double-edged sword. While paying off the debt can change its status from “unpaid” to “paid,” the collection account will still remain on your credit report for seven years from the date of the first delinquency. This means your credit score will still be affected. It’s important to weigh the pros and cons and consider other options, such as negotiating a pay-for-delete agreement or disputing inaccuracies.

What are my rights when dealing with AFS Acceptance?

When dealing with AFS Acceptance, you have several rights under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). These rights include the ability to dispute inaccurate information, request debt validation, and be free from harassment or abusive practices. Understanding these rights can empower you to handle debt collectors more effectively.

Why does AFS Acceptance keep calling me?

AFS Acceptance may continue to call you to attempt to collect the debt. Ignoring these calls is not advisable, as it could lead to more aggressive collection efforts. Instead, communicate with them in writing, request debt validation, and consider seeking help from a credit repair professional if needed.

Will AFS Acceptance sue me?

While it’s possible for AFS Acceptance to sue you to collect a debt, it’s relatively uncommon. Most debt collectors prefer to settle debts out of court. However, if you do receive a lawsuit, it’s important to respond promptly and seek legal advice to understand your options and protect your rights.

Key takeaways

  • AFS Acceptance, now FinBe USA, is a legitimate debt collection agency that can impact your credit score.
  • You have rights under the FDCPA and FCRA when dealing with debt collectors.
  • Verify the debt and dispute any inaccuracies to potentially remove AFS Acceptance from your credit report.
  • Negotiating a pay-for-delete agreement can help improve your credit score.
  • Seeking professional help from credit repair experts can simplify the process and increase your chances of success in removing negative entries from your credit report.

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