Auto One Acceptance reports your credit information throughout the length of your loan. This is a great way to re-establish your credit!  We report credit information at the end of each month. Although we submit the information to the bureaus at the end of the month, the bureaus have 30 days from the receipt of our data to update a consumer’s credit report.

We report credit data to Equifax and TransUnion. The contact information for each is as follows:

P.O. Box 2000
Chester, PA 19022
(800) 916-8800
P.O. Box 740241
Atlanta, GA 30374
(800) 685-1111




Q. What should I do if I believe there are inaccuracies in the way you are reporting my account?

A. You may contact us directly at (888)745-8139 or by writing a letter describing your dispute. The address for disputes is:

Auto One Acceptance LLC.
P.O. Box 560487
Dallas, TX 75356

Q. Can I speak to someone directly about my credit report?

A. Due to the sensitivity involved in discussing a consumer’s credit reporting history, we will not verbally try to resolve alleged inaccuracies. However, after you have received the results of your initial investigation with the credit reporting agencies and you are not satisfied with the results, you may contact us directly. You can dispute the initial results and request that a reinvestigation be completed by us.

Q. What do I do if I believe I’m a victim of ID theft or if I believe this is not my contract?

A. In order to comply with your request, you must file a report with the local police or the police in the community where the identity theft took place. You must also file a complaint with the FTC using one of the following methods:


FTC’s Identity Theft Hotline: 1-877-IDTHEFT

Write: Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580

Complete: An ID Theft Affidavit provided by the FTC and include the Fraudulent Account Statement

Q. What do I do if I can’t wait 30 days for my credit information to be updated? I am trying to obtain another loan and need my report corrected today.

A. You may contact your customer service representative at (888) 745-8139 to request a payment history, and we will mail or fax the information to your attention.

Q. What is a credit score?

A. It is the number that creditors use to help them decide whether to extend credit to you and also what rate of interest to charge you. In most cases, the lower the credit score, the higher the risk. There are numerous types of credit scores, but the most prevalent is the credit bureau score. The credit bureau score is based solely on the information contained in your consumer credit reports. Most credit scores are based on calculations by Fair, Isaac and Company (“FICO”). Over time, FICO developed the scoring model that is most widely used.

What makes up a FICO score?

Generally, there are five criteria that make up the score. The most important is payment history – how you have paid your bills. This accounts for 35 percent of your score. Thirty percent of your score is based on the amount of money you owe lenders. The length of your credit history makes up 15 percent. New credit makes up 10 percent of your score, and the remaining 10 percent covers the types of credit you use. Things that have no effect on your score are: race, religion, gender or marital status, your age, length of employment, job description, where you live or any items reported as child or family support.

Q. What is a good score?

A. Scores range from the low 400s to well past 800. The higher the score, the better the credit rating. Most lenders use a break of somewhere around 620 as the determining factor of a regular loan versus what is called a “subprime” or higher-risk loan. Some lenders will not extend credit to people with under 620 credit scores and other lenders will offer those loans, but at a higher interest rate.

Q. How do I find my credit score?

A. You can purchase your FICO score right over the Internet at either or at the Web sites of any of the major bureaus. Besides your FICO score, you will get your entire credit report, details on how to read your report and ways to raise your scores.

Q. How long does information stay on my credit report?

A. Good or bad, it is with you for seven years unless it can be proven that it was a mistake.