Name: American Credit Card Solutions
Rating: 5.0

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The Good

Follows Federal Trade Commission Rules and Regulations
Accredited with IAPDA
24/7 Access to Account

Follows Federal Trade Commission Rules and Regulations

American Credit Card Solutions follows the standards set by the Federal Trade Commission (FTC) for debt settlement. These guidelines include providing free consultations and charging no upfront fees.

The company’s commitment to these standards demonstrates its dedication to treating clients well.

Accredited with IAPDA

American Credit Card Solutions is accredited with the International Association of Professional Debt Arbitrators (IAPDA), one of the main organizations that sets industry standards for debt relief. We always like to see companies with this accreditation as it shows they are committed to maintaining a standard of ethical behavior in business.

24/7 Access to Account

If you enroll your debt with American Credit Card Solutions, you’ll have full access to your account with your debt settlement savings through the online client portal. The company’s customer service representatives will also contact you with updates on your case.

What is American Credit Card Solutions?

American Credit Card Solutions is a debt settlement company based out of Maryland. The company specializes in settling unsecured debt amounts over $10,000. Unsecured debt can include credit card debt, personal loan debt, or medical bill debt.

What is the difference between debt settlement and debt consolidation?

Debt settlement involves negotiating with your creditor or creditors to settle your debt for less than you owed originally. You then pay the creditor the lower amount, and your case is closed. Debt consolidation involves taking out a single loan to pay off your debts from different creditors, so you now only have one loan to pay off that is accruing interest at a hopefully lower rate, rather than multiple debts at all different rates.

How does American Credit Card Solutions compare to other top companies?

American Credit Card Solutions has been in business nearly 15 years, which puts it right on par with top competitors such as Freedom Debt Relief or Accredited Debt Relief, which have both been in business between 14 and 20 years. In terms of reviews, American Credit Card Solutions reviews are nearly all positive. The company has over 100 reviews and still maintains a 4.9/5 star average review score, which is impressive. Other competitors such as National Debt Relief may have more reviews, but the average star rating is closer to 4.5/5.

What services does American Credit Card Solutions offer?

American Credit Card Solutions is primarily a debt settlement company. It does not offer debt consolidation loans, nor is is a credit repair company. The ideal candidate for American Credit Card Solutions' services is someone who has more than $10,000 in unsecured debt (from credit card debt, personal loan debt, etc) who is looking for a company to help them negotiate with their creditors to lower the overall amount of debt they owe.

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User Reviews

Star Rating

5.0

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420 Reviews

Review Breakdown

5 grade

95%

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1 grade

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pS Lodi, CA

This was a very difficult decision for me to make, but I could no longer manage the payments and was falling further and further behind. ACCS provided me with an option to consolidate my debt and resolve my payments. The process isn't always easy, but they have stayed in touch with me and let me know what's going on with my accounts and the resolution of my debt. I got myself into this situation, but I'm grateful for ACCS helping me get out of it.

5 years ago

Reply from American Credit Card Solutions

Thank you! We appreciate your review. We value our customers and appreciate the time you took to share your experience.

Sep. 20th, 2023

Elizabeth Rochester, PA

I believe this company does a good job resolving debt. I had 14 credit cards that I had to pay and was unable to do so because of circumstances beyond my control. I gave them 9 creditors to pay and have paid off 4 of them in the last 6 months. What a great team effort.

We will be sure to pass this on to our team, thanks!

Sep. 14th, 2023

Roy Roy Clifton, NJ

The customer service agent named Maria was helpful. She helped me understand how it works and advised me in a way that I wouldn't hesitate to recommend your service to anyone I could run across.

1 year ago

Thank you!

Jan. 2nd, 2024

Amenta Johnson Amelia Court House, VA

They are very informative and a pleasure to work with, the only negative is they will not settle your accounts in 90 days and they will not be less than 50% as promised. But I would use them again.

3 years ago

We appreciate your feedback!

Oct. 20th, 2021

Tawana Jacobs Germantown, MD

The last two years for me financially. An unexpected job loss really hurt. ACCS has been helpful and supportive of me as I worked to get back on more solid financial footing.

4 years ago

We are happy to help! Thank you!

Jun. 25th, 2020

Lindsey Higgins Brighton, MI

Customer service has always been very friendly and helpful when I call with any questions. I just wish I would have had the whole process of settling claims better explained in the beginning. Other than that great service

We aim for providing great service to our clients!

Feb. 23rd, 2023

nikki Guttenberg, IA

So far I have had a very good experiece with them. They have been very nice and explained any question I had. I just started with them but so far so good.

We are so glad we have been able to help! Thank you!

Jun. 18th, 2020

Heather Bender Cusseta, AL

From the initial email and phone conversation, my questions have been answered. Everyone has been kind and nonjudgmental.

We are happy to assist you!

Jan. 20th, 2021

Bill Vicksburg, MI

Enjoying working with you the only thing is I wish that they would settle my accounts a little faster

Cedric Steele Irving, TX

Maria answered all of my questions and suggested the best plan possible for my budget.

Thank you so much!

Nov. 14th, 2023

Ruben Casas Concord, CA

Was very pleased and appreciated with everything he help me with. Very helpful!!!

Nov. 6th, 2023

Miguel Terrazas Weimar, TX

I liked the Lisa V walk me through the program explaining and asking If understood .

2 years ago

Lisa is wonderful! Thank you for the feedback!

Feb. 21st, 2023

Danyelle Fowler Garland, TX

So , far my experience has been great and everyone that I've spoken with has been knowledgeable .

Apr. 20th, 2023

Julia UP Brunswick, GA

American credit card solution has taken a big weight off from shoulders it was helpful financially and emotional.

We are so happy to hear this! Thank you!

Nov. 22nd, 2021

Andrew evans Elizabethtown, PA

My experience with Credit Card Solutions was great and professional.

4 years ago Edited September 14, 2021

We are happy to help!

Donna

They are a good company for debt relief. They work with you on payments.

Sep. 15th, 2023

Sarah Bower La Quinta, CA

Great customer service, always helpful!!

Aug. 4th, 2021

American Credit Card Solutions

The Good

Follows Federal Trade Commission Rules and Regulations

Accredited with IAPDA

24/7 Access to Account

The Bad

Cost

Credit Score Impact

Limited Availability

The Bottom Line