American Credit Repair is a California-based financial services firm specializing in credit restoration and consultation services. The referral-based company charges a one-time fee based on the severity of the credit issues and the amount of restoration work involved. American Credit Repair also offers a Comprehensive Credit Consultation free of charge.

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$79.95 -119.95







The Good

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:

Guaranteed Credit Score Increase

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 services provided.

Proprietary Pre-Litigation Process

The company utilizes a proprietary pre-litigation process to assist consumers in boosting their credit scores. 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.

Affordable Payment Options

The company desires to make its program affordable to consumers who sincerely desire to reestablish their credit by offering affordable payment options.

The Bad

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. Those interested in the American Credit service should be aware of the following limitations:

Expensive Credit Repair

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

Frequently Asked Questions

How much does American Credit Repair service cost?

The cost for credit repair services from American Credit Repair varies depending on each case and the severity.

Does American Credit Repair allow me to enroll more than one person or my whole family?

Both individuals and business can take advantage of the American Credit Repair’s service packages to increase their credit scores.

How does American Credit Repair repair my credit?

American Credit Repair uses a “proprietary pre-litigation process” to help customers increase their credit scores.

Does American Credit Repair provide credit monitoring?

Credit monitoring is not a part of the American Credit Repair service package.

How long will it take before I start seeing results with American Credit Repair?

Those customers who use American Credit Repair generally see significant improvement to their credit score within 60–90 days.

What results can I expect from American Credit Repair?

Many American Credit Repair customers experience a 100-point increase in their scores.

How can I contact American Credit Repair?

The American Credit Repair team can be reached by phone at 877-856-4999.

More Information

Published Results

The American Credit Repair services often result in a 100-point increase for its customers’ credit scores. These are the only results published on the website, and they cannot be guaranteed since every account is different.

Price Breakdown

Every case of credit is very different and made up of all different types of line items. Because of this variety, each case requires a different amount of work. This is why American Credit Repair does not have a set price for credit repair services. Each customer will get an estimate of the total cost they will be required to pay during the no obligation consultation call.

How it Works

American Credit Repair offers the following credit repair process:

Step #1: Initial Consultation

During the initial free consultation, an analysis will be performed to determine any inaccurate items eligible for removal.

Step #2: Proprietary Pre-Litigation Process

Not only will the company draft and send dispute letters to the major credits bureaus, but they will also send letters to creditors demanding proof that items were reported correctly. Any incorrectly reported items must be removed by default.

Step #3: Settlement

When the investigation by the credit bureaus is complete, consumers will receive the results in approximately 30 days.

What to Expect when Signing Up:

No Obligation Consultation:

Every customer who is interested in American Credit Repair services will have a consultation with a team member. They will go through each item in the customer’s credit history and itemize the ones that are causing negative effects. From there, a customized plan will be made to work on the deletion process.

Pre-Litigation Process:

After the consultation, American Credit Repair uses a different process than many other companies. The process involves threats of legal action towards creditors, which are meant to spur them to take immediate action to either verify or remove the negative line items.

Litigation Cycles:

American Credit Repair generally goes through four litigation cycles to get the full results they are seeking.

What Can Be Removed

American Credit Repair has not specified to their potential customers what specific items on a credit report that they work to remove. There is a variety of items that make up a credit report and a large portion of those can have a negative impact on the overall credit score of the customer. This lack of transparency of what American Credit Repair can actually do for customers can make it difficult for the customer to make a decision of which company to work with while trying to improve their credit.

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2 American Credit Repair Reviews

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  1. User Score


    January 20th, 2016 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.

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  2. User Score


    August 7th, 2013 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!!!!

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