American Credit Consulting is a Chicago, Illinois-based credit repair company that provides three different credit repair service options.
The company gives each client access to a case advisor and analyst throughout the credit repair process. And, like most companies in the credit repair industry, American Credit Consulting also provides a free credit consultation service.
Additionally, American Credit Consulting offers a 100 percent money-back guarantee along with credit education resources and unlimited disputes. The company also states online that the average client sees a credit score increase of 60 points within six months of using its credit repair service.
Consumers should note that the company does not disclose pricing information, staff credentials, or state service limitations on its website.
American Credit Consulting offers the following three different service level plan options for consumers: Silver Plan, Gold Plan, and Platinum Plan.
Each plan includes 24/7 online client portal access, support from a credit specialist, credit building assistance, credit education resources, unlimited disputes to all three credit bureaus (Experian, Equifax, and TransUnion), and a 120-day money-back guarantee.
American Credit Consulting mentions online that it does not charge clients for the first month if they sign up for the Platinum Plan option.
While the company does state that it charges a one-time enrollment fee and a document fee upon sign up, it does not provide specific pricing information for each plan on its website. Consumers may have to sign up for a free consultation in order to obtain specific pricing information.
Unlike some other companies in the credit repair industry, American Credit Consulting offers a 100 percent, money-back guarantee. According to the company’s website, clients are entitled to a refund if the following conditions have been met:
American Credit Consulting provides clients with a custom dispute action plan and will send out unlimited dispute letters to all three major credit bureaus on the behalf of its clients.
Additionally, the company states online that it will implement advanced dispute tactics when necessary. That said, the company does not go into detail on its website about what these advanced tactics entail.
While the company does provide some information about its credit repair services, it does not disclose information regarding specific plan pricing or one-time fees, staff credentials, discount availability, states serviced, and more.
American Credit Consulting also does not seem to provide information about what type of credit education resources and what type of credit building assistance it provides to its clients.
With the exception of credit education and credit building assistance, American Credit Consulting does not seem to provide additional services like credit monitoring, credit coaching, debt validation, etc.
Consumers should know that many top-rated companies in the credit repair industry provide additional services that are designed to help consumers maintain their finances and credit after they are finished going through the credit repair process.
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