American Credit Repair Logo

American Credit Repair

Is This Your Business?
star star star star_border star_border
LAST UPDATED: November 24th, 2022

American Credit Repair is a California-based, veteran-owned financial services firm that specializes in credit restoration and consultation services.

The referral-based credit repair company charges a one-time fee based on the severity of the credit issues and the amount of restoration work involved.

American Credit Repair does have a refund policy and offers a comprehensive credit consultation free of charge.

Keep reading to learn more about American Credit Repair's services. 

Top Ranked Companies


The Good

  • Credit Score Increase Rate
  • Proprietary Pre-Litigation Process

American Credit Repair provides professional credit repair services to those looking to remove erroneous items from their credit reports. Each case that goes through the American Credit Repair process can expect the following:

Credit Score Increase Rate

American Credit Repair claims that their average client scores increase by 70-100+ points within a period of 60-120 days.

The company offers a 100 percent money-back guarantee if clients are unhappy with the credit repair services provided.

Proprietary Pre-Litigation Process

The credit repair company utilizes a proprietary pre-litigation process to assist each consumer in boosting their credit score.

The company sends a complete copy of the Fair Reporting Act directly to the creditor first demanding they provide proof that the negative item belongs to the client and was reported to the credit bureaus correctly.

If the creditor cannot prove they have complied with all the laws, the negative credit item must be deleted by default.


The Bad

  • Expensive Credit Repair 
  • No Licensed Attorneys 

With American Credit Repair, clients can expect to receive help with their poor credit situations. However, there are still concerns that need to be pointed out. Those interested in the American Credit service should be aware of the following limitations:

Expensive Credit Repair

The company does not make their rates visible to consumers on their main corporate website. However, this information can be found in small print in their FAQs section.

The company charges rates that are not listed on its website but costs are estimated to range per individual, depending on the amount of credit repair involved. These fees can be expensive for individuals with few credit items in need of repair.

No Licensed Attorneys

There are no licensed attorneys on staff. No available statements are offered by the company that they will follow through on any necessary litigation efforts during the credit repair process.


The Bottom Line

American Credit Repair appears to be best suited for consumers with intensive credit repair needs.

The company uses a unique proprietary pre-litigation process to boost overall credit scores by 70-100+ points within a 60-120 days timeframe.

Rates can be expensive for some consumers, but they do offer flexible payment options. The company also provides a free initial consultation and a full money-back guarantee for unsatisfied customers.

View Best Credit Repair Companies

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating


star star star star_border star_border

4 Reviews

Review Breakdown

5 grade


4 grade


3 grade


2 grade


1 grade


Sentiment Criteria


star star_border star_border star_border star_border


star star_border star_border star_border star_border


star star_border star_border star_border star_border


star star_border star_border star_border star_border

Filter by:


Sort by:

star star star star star

Sandia San Francisco, CA

I must say I am very pleased with my results from American Credit repair. I started in the program with them in February, with the intent of getting my credit repaired so that I could one day purchase a home again. My plan was to hopefully get things cleared up in hopes of buying in early 2014. Going in, I knew my scores would be challenging to say the least. The staff was always very helpful and friendly and prompt to respond to any questions I had. Not only did my scores go up quickly I was able to close on my new home just 5 months after signing on with American Credit Repair. I would recommend their services to all in need of credit repair. Thank you so much!!!!

10 years ago


Review Source

star star star star star

Michelle Crane Phoenix, AZ

What I like best about American Credit repair is their free consultation with a credit expert where they will ask you questions about your credit to see if they can help with no money down or any obligation on your part.

1 year ago

star star_border star_border star_border star_border

Otto CA

This company and the owner has ripped me off for a total of $2,500, and has done absolutely nothing for me. The only time that he would stay in contact with me constantly is when I was making payments ( total of 3 in two week intervals). As soon as I was paid in full would not even return my calls or texts.

7 years ago

star star_border star_border star_border star_border

Ahmed Abdullah Portland, OR

Big scammers I work with them for 3 months paying 199$ and nothing changes in my credit score and when i contact them they told me nothing guarantee dont work with this company u well lose your money

1 year ago