Why are accounts referred for collections?
Most accounts are referred for collection because they have gone unpaid for several months and the creditor has not received communication from the consumer.
How do I pay my Commercial Acceptance Company bill?
You may use our secure online payment portal by clicking HERE. Our online payment Service will accept Visa, MasterCard or Check.
Call toll free at 1-800-690-3857 and speak with our professional staff to pay over the telephone.
You may mail your payments to:
Commercial Acceptance Company
2300 Gettysburg Road Suite 102
Camp Hill, PA 17011
How do I find my agency/account number for Commercial Acceptance Company?
Your agency/account number can be found in the letter sent to you from Commercial Acceptance Company. If you are unable to locate this number please call us at 1-800-690-3857.
How long does a delinquent debt remain on my credit report?
Delinquent debts remain on credit reports for 7 years. Chapter 7 bankruptcies remain on credit reports for 10 years. Commercial Acceptance Company places items on the credit bureau reports at the request of our creditor clients. We report to the three major credit bureaus, Trans Union, Experian and Equifax.
The function of a credit bureau is to gather credit information regarding individuals and to make such information available to businesses to be used in determining credit decisions. If you have any questions related to an item Commercial Acceptance Company has listed on your credit bureau report, please contact one of our representatives for clarification.
There is incorrect information on my credit report. How do I get it corrected?
Should I use a credit counseling or debt consolidation company?
We recommend you contact our office and work with our trained staff to help resolve your debt. Often times, debt counseling companies come with hidden costs and creditors are not required to work with them.
I have medical insurance, why do I have a bill in collections?
Your bill may be the result of an insurance deductible or co-pay in accordance with your insurance contract. There is also the possibility that the service you received was not covered by your policy. Please contact one of our representatives to obtain detailed information about your outstanding balance.