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                    5240 Mendenhall Park Place, Memphis, TN  38115

Millions of Consumers Lack Credit History

Many U.S. consumers do not have a credit history or enough record of borrowing to establish a credit score, which is information that helps track the likelihood they will repay their debts and how much is owed to creditors.

One in every 10 adults, or 26 million people, do not have a credit history with one of the three nationwide consumer reporting agencies, according to data released by the Consumer Financial Protection Bureau this week.

“A limited credit history can create real barriers for consumers looking to access the credit that is often so essential to meaningful opportunity—to get an education, start a business, or buy a house,” CFPB Director Richard Cordray said in a 
news release on the data. “Further, some of the most economically vulnerable consumers are more likely to be credit invisible.”

Decisions by creditors to issue loans and set interest rates are largely based on consumers’ credit reports, meaning consumers who have limited or nonexistent credit history face more challenges in getting credit, according to the CFPB.

The results of the report indicate that the problems that accompany having a limited credit history show significant differences across racial and ethnic groups, and lower-income consumers.

Follow the link below to read the full article from ACA.


ACA International


Universal would like to say Thanks to all who have served and are currently serving this Great Country! Lets take time this Memorial Day to Remember and Honor those who are now serving and those who have given the Ultimate Sacrifice....for the Freedom we all enjoy!

Collector of the Month

Eunice has worked for Universal for 8 years now.  She has consistantly met and exceeded her collection goals month after month. With this, we would like to say a special thanks to Eunice for her hard work and dedication to the Universal Team.

Community Involment

We offer programs & services in three major areas to help end child abuse and family violence.

We address issues of family violence and how it affects both children and adults. Our staff helps families learn how to identify and deal with family violence while offering clients a protected venue for child visitations

Through parenting education, we address the conflicts that arise from stressful parenting situations and divorce.

We address the issue of anger and explore alternative problem-solving skills, communication skills, the causes of anger, and reactions to anger as well as its aftereffects

The Exchange Club of Memphis
2180 Union Avenue • Memphis, TN
(901) 276-2200

The Boys & Girls Clubs of Greater Memphis (BGCM) is all about creating opportunities for children through after-school education. We serve nearly 4,000 members between the ages of 6 and 18 each year by providing the fun experiences and critical guidance kids need to build bright futures.

Through a variety of academic and recreational programs, BGCM empowers members to make productive use of their time and wise decisions in their lives. It’s how we’re opening doors for Memphis kids every day, at the positive place for kids.

Be a Part of Boys & Girls Clubs of Greater Memphis Join All boys and girls ages 6 through 18 may join. The parent or guardian will need to fill out a membership application available at a Club near you. Members are free to come and go as they choose and membership dues are kept low, so anyone can afford to join—or even work to earn their membership. Join now!



Could you call me back later, I'm in a MEETING with a representative of the Acme Collection Agency!


When you have the weight of the world on your sholders and need to talk to us about one of your consumers:

Call Donna Strickland
at 901-869-2633
Or Terry  Lewis
at 901-869-2631.

This will keep your call from going to a floor collector and expedite your service.

Patient information form
(make sure yours is up to date)
In the event that your account is placed with a Collection Agency, a collection-fee in the amount of ___% of the then outstanding balance may be added to your account and shall become a part of the Total Amount Due.   You will be responsible for any and all cost of collection including attorney fees and court cost.
You agree, that in order for us to service your account or to collect any amounts you may owe, we and our collection agencies may contact you by telephone at any telephone number associated with your account, including wireless telephone numbers, which could result in charges to you.  We and our collection agencies may also contact you by sending text messages or emails, using any email address you provide to use.  Methods of contact may include using pre-recorded/artificial voice messages and/or use of an automatic dialing device, as applicable.