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.
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:
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.
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.
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:
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.
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.
Sandia San Francisco, CA
7 years ago
5 years ago