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American Credit Card Solutions

American Credit Card Solutions

Name: American Credit Card Solutions
Rating: 4.9

4.9

star star star star star

188 User Reviews

7.6

Overall Score

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4.9

star star star star star

188 User Reviews

7.6

Overall Score

Visit Site

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Company Details

Minimum Debt Requirement

$10,000

Services Offered

Debt Settlement, Online Client Dashboard, Debt Management Plans

Accreditations

IAPDA

States Serviced

Time in Business

15 Years

Company Headquarters

5275 Westview Drive, Suite 120 Frederick, MD 21703

Number of Reviews 188

Source of Information

This company is a Business Suite customer. Learn more

Best Company guarantees your satisfaction if you choose a company that has earned this distinction. If you're not satisfied after 30 days, simply let us know and we'll give you $200. Yes, it's really that simple.

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LAST UPDATED: February 25th, 2023

American Credit Card Solutions offers debt settlement services in 17 states. Ideal candidates for American Credit Card Solutions debt settlement services have at least $10,000 in unsecured debt. If you have lower amounts of unsecured debt, you can use the free consultation to see if you qualify for the company’s services.

Video Customer Reviews

Cindy Barber

30 Oct 2019

Corryn Moore

01 Nov 2019

Teresa Hamilton

21 Jan 2021

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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.

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The Bad

Cost
Credit Score Impact
Limited Availability

Cost

Debt settlement services can be expensive. Debt settlement companies typically charge a set percentage of the total debt you enroll in their program. Fees for debt settlement are regulated by law, so the costs will vary based on your location. Ask questions and be sure you understand how much settlement will cost during the free consultation.

Credit Score Impact

Debt settlement usually has a negative effect on your credit score because clients generally stop making payments on their debts. Have a plan to rebuild your credit score before entering debt settlement.

The debts listed on your credit report will be marked as “settled” once you’ve reached and paid the settlement with creditors.

Limited Availability

American Credit Card Solutions only offers services in 17 states. If its services are not available in your area, you’ll need to consider other debt relief service providers.

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The Bottom Line

If you’re interested in debt settlement, American Credit Card Solutions is a good company to consider. Take advantage of the free consultation to ask questions about the process, its costs, and ways to mitigate the risks.

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American Credit Card Solutions Frequently Asked Questions

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

4.9

star star star star star

188 Reviews

Review Breakdown

5 grade

91%

4 grade

3 grade

2 grade

1 grade

Sentiment Criteria

Value

star star star star star

Quality

star star star star star

Service

star star star star star

Trustworthiness

star star star star star

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star star star star star

Cindy Vick Houston, TX

Lisa V is beyond the best to work with! She has been supportive, encouraging, and has provided me and my husband with the most outstanding customer service. I am so grateful that I've had the pleasure of working with her. She has gone out of her way to help us and keep us in the loop. Thank you, Lisa, for being such an amazing rare gem of awesomeness!

1 month ago

Reply from American Credit Card Solutions

Lisa is AWESOME!!! We are so happy she was able to assist you!

Feb. 24th, 2023

star star star star star

Jessica Leigh Fort Worth, TX

I need to leave a 5* review just on the quality of my specialist. My specialist was Ed P and can I say, AMAZING! Just an all around great person in general, but the knowledge he has to help people get out of debt is a treasure. He listens and puts actual thought into what is best for YOU, not just the company. The way I felt when I got off of the phone… I can’t even put into words. Relieved is an understatement. I had originally called for a loan, but this, this was definitely what I needed instead. Thanks Ed for taking the my stress away before I even started the program.

1 month ago

Reply from American Credit Card Solutions

We appreciate the 5 star review for Ed!!

Feb. 23rd, 2023

star star star star star

janet diaz Miami, FL

Dan is extremely helpful and very knowledgeable and explained everything like if I was in elementary. Great personality. Very easy to talk to and answered every single question and doubt I had. It was a complete pleasure working with him and I would definitely recommend him to anyone who needs this kind of financial help. I’m beyond excited for start on my financial freedom.

1 month ago

Reply from American Credit Card Solutions

Thank you!

Feb. 17th, 2023

star star star star star

Zen

Me and hubby are too hesitant to get started with the program. Tara B helped us get through with all the questions and hesitations, she listened, connected and stayed patience with all the questions we have. We finally signed up! We are looking forward to a BETTER FINANCIAL CHANGE! We put our trust to Tara and the ACCS team to help us lessen and or REMOVE our financial burden due to those cards enrolled. Can't wait to give update 3-4 months from now. It is then that I can confidently recommend it to a friend as well. For now, Tara is 10/10 to me.

1 month ago

Reply from American Credit Card Solutions

Thank you for the positive feedback about Tara!

Feb. 14th, 2023

star star star star star

Mercee Garden Grove, CA

I will give Mr. Russel K my certified debt specialist a five star .. He did a wonderful job explaining very well to me what is your program all about .. I feel less worries now that I could able to pay my credit debts.. again thank you so much Russ .. you have a great business for helping us make the right decisions ..

1 month ago

Reply from American Credit Card Solutions

We are glad Russ was able to help you!

Feb. 23rd, 2023

star star star star star

Dana R Taylor. ??? Amarillo, TX

I do not know if my previous review was sent. Dan R was very helpful and precise in explaining how the program works and what my responsibilities are. I especially liked how he explained how I will stay in touch. He was kind and resourceful throughout the process.

1 month ago Edited February 21, 2023

Reply from American Credit Card Solutions

Thank you so much!

Feb. 21st, 2023

star star star star star

Tonya Tinsley Philadelphia, PA

I am so glad I made the choice to come on board with ACCS, and my rep Clark S was the absolute best. He helped me understand how they could benefit me and my financial situation. Now I can rest at night and no more anxiety. Thank you ACCS and Clark for helping me.

1 month ago

Reply from American Credit Card Solutions

We are so happy to hear this!

Feb. 16th, 2023

star star star star star

TextheFlex Prosper, TX

Susan was very optimistic and helpful over the phone, she did a great job helping me understand my options and putting together an opportunity to get me free of my debt. Thank you.

1 month ago

Reply from American Credit Card Solutions

Thank you for the positive feedback!

Feb. 27th, 2023

star star star star star

Sofia Pabon

Edward P, who assisted me with enrolling me into the program was so helpful, kind, professional and very informative. If anyone was to want to get into the program I would definitely suggest Ed. Thank you again Ed.

1 month ago

Reply from American Credit Card Solutions

Thank you so much!

Feb. 10th, 2023

star star star star star

Sherrie Clark San Antonio, TX

I was apprehensive & had questions, how I could benefit from the program. Tara B. was exceptional and knowledgeable. passionate to explain the pros & cons. I appreciate her patience answering every one of my concerns. never aggressive or pushy. in the end it was up to me to get back on the right track with help.

2 months ago

Reply from American Credit Card Solutions

Thank you so much!

Jan. 26th, 2023

star star star star star

Luis Portcullis Houston, TX

Dan R helped be through your the process of getting my loan and helping me take my steps to financial freedom! I’m not sure if he’ll see this or remember helping me since my review is a little late but I will always remember what he and ACCS has done for me. Thank you ACCS AND DAN R!!!

2 months ago

Reply from American Credit Card Solutions

We are so happy to have been able to help!

Jan. 25th, 2023

star star star star star

Daisy Esparza Los Angeles, CA

Tara is great! She was charismatic, kind, understanding and patient. Walked through all the pros and cons and was reassuring. I promised to give her 6 months and she promised to show me the outcome will be brighter by then then. Let's see!

2 months ago

Reply from American Credit Card Solutions

Thank you!

Jan. 17th, 2023

star star star star star

mamour Cisse Longview, TX

David is very persistent in help me. He keeps his promisses and try to help get the most out the program. He is amazing with great listening skills and polite. David is professional and eager to help. I enjoy working with David because he explain all my concerns and fears during the process.

2 months ago

Reply from American Credit Card Solutions

We will be sure to pass this on to David!

Jan. 11th, 2023

star star star star star

Dr. Joan Jaimes Austin, TX

I just started the program and am very grateful for David W’s help during the enrollment process. In such stressful times it really makes a world of a difference when you have someone there to answer all your questions via phone, text or email. I sincerely appreciate your help and am looking forward to being debt free once and for all!

2 months ago

Reply from American Credit Card Solutions

We are so happy to help!

Jan. 11th, 2023

star star star star star

Alwyne Williams Houston, TX

David W was the best!! We started the process a few months, he gave me enough information to make the best decision regarding the rebuilding of my financial stability. I can admit being reserved initially, but after looking around David presented an offer that couldn’t be beat! Thanks again David!!!

2 months ago

Reply from American Credit Card Solutions

Thank you so much!

Jan. 4th, 2023

star star star star star

Danielle Holly, MI

I truly enjoyed working with David. It's hard to find people that treat you as an individual and not bundle you up with everyone else when your have difficulties. David is a perfect representative for your company and for what he does. I would highly recommend him to anyone I know that wants to get back on their feet. Thank you for being my representative.

3 months ago

Reply from American Credit Card Solutions

We will be sure to pass this on to David, thank you!

Dec. 20th, 2022

star star star star star

Belinda Meyers Marion, TX

Maria was down to earth, patient and explained things thoroughly. I had many questions which she cleared up easily. You can tell she really loves helping people.

1 month ago

Reply from American Credit Card Solutions

Thank you for the positive feedback on Maria!

Feb. 24th, 2023

star star star star star

ctrap444 Scranton, PA

Maria was so kind and understanding as well as very well spoken and informative. Well knowledged on the program which made me so relieved. Kudos to a great representative!

1 month ago

Reply from American Credit Card Solutions

So good to hear, thank you!

Feb. 23rd, 2023

star star star star star

Edgar Rivera Henderson, TX

Russ K was very helpful and provided me with answers to all of my questions. I would recommend him to everyone that is looking to get out of their debt situation

1 month ago

Reply from American Credit Card Solutions

We appreciate the recommendation!

Feb. 17th, 2023

star star star star star

Shanna Darter Bedford, TX

Kevin K was amazing, he was very thorough and helped me understand the process. He endured all my questions and made sure I didn't feel embarrassed about anything.

1 month ago

Reply from American Credit Card Solutions

Thank you!

Feb. 16th, 2023

star star star star star

Melody Swanson Milpitas, CA

After searching company after company, I had almost given up hope on any options for climbing out of debt. Dan made me feel comfortable and well informed enough to commit to a plan. THANKS DAN!

2 months ago

Reply from American Credit Card Solutions

We will be sure to pass this along to Dan, thank you!

Jan. 10th, 2023

star star star star star

David Marciel

I was patiently led down the path and helped out tremendously by David W who explained everything to me in detail numerous times in case I didn’t understand definitely refer this company to other people

2 months ago

Reply from American Credit Card Solutions

Thank you so much for the referal!

Jan. 8th, 2023

star star star star star

Zuriel Perez Oceanside, CA

Maria S did an amazing job in guiding me and explaining the whole situation and steps to me thoroughly on how the process works! Very patient and understanding with no judgement, personality was a plus!

2 months ago

Reply from American Credit Card Solutions

We will be sure to pass this on to Maria!

Jan. 4th, 2023

star star star star star

Sandra Maciel LA

Steve was very respectfull, kind and profesional agent. He helped me with my debt resolution and i will recomend him. Thank you

1 month ago

Reply from American Credit Card Solutions

We appreciate the recommendation!

Feb. 27th, 2023

star star star star star

Roseann Middleton

Ed P was professional and very helpful assisting me with my financial situation and would highly recommend American Credit Card Solutions.

1 month ago

Reply from American Credit Card Solutions

Ed is awesome, thank you!

Feb. 23rd, 2023

star star star star star

Edson Herrera Pacoima, CA

Thank you so much for helping this stressful process be such an ease. thank you for answering all my questions and concerns.

1 month ago

Reply from American Credit Card Solutions

Thank you!

Feb. 21st, 2023

star star star star star

Ash-Leigh Hernandez LA

Susan H was very helpful with my starting the program. She made it very easy to talk to. She has excellent customer service.

1 month ago

Reply from American Credit Card Solutions

Thank you for the positive feedback!

Feb. 16th, 2023

star star star star star

Gregory Wood Houston, TX

Kevin K. was amazing to work with and provided excellent info regarding how the program works. I have a huge weight lifted off my shoulders now. Thank you!!

2 months ago

Reply from American Credit Card Solutions

Thank you so much for the positive feedback!

Jan. 4th, 2023

star star star star star

Braulio Cortez Los Angeles, CA

Mr. W is awesome. Very enthusiastic and helpful human being. I know I made the right choice on taking this step and with Mr. W's help, I feel extra good about my decision. Thank you so much.

3 months ago

Reply from American Credit Card Solutions

David is awesome! Thank you!

Dec. 20th, 2022

star star star star star

Eva (MoMo) Abilene, TX

Tim was very professional and explained everything in detail. He was easy to work with, and the process was simple.

1 month ago

Reply from American Credit Card Solutions

We will pass this on to Tim, thanks!

Feb. 23rd, 2023

star star star star star

Claribel Paz Leesburg, FL

Kevin deserves 6 stars because of his professionalism and cordiality, explains very well the program! Thanks Kevin

1 month ago

Reply from American Credit Card Solutions

We LOVE 6 STARS! Thank you!

Feb. 16th, 2023

star star star star star

Shonie Boy Temecula, CA

Dan worked with me swiftly and effectively! He got me what I needed quickly and I appreciate his help! Excellent customer service.

2 months ago

Reply from American Credit Card Solutions

We will make sure Dan sees this, thank you!

Jan. 13th, 2023

star star star star star

Jose R Huntsville, TX

David was so attentive to our goals and concerns. If you want real help as for David W. Getting out of debt is amazing!

2 months ago

Reply from American Credit Card Solutions

We are very lucky to have David on our team! Thank you!

Jan. 9th, 2023

star star star star star

Deborah Teed Orlando, FL

I had an excellent experience with ACCS from the beginning of the process to the end when I qualified for the fresh start program. The customer service was also excellent, they contacted me on a regular basis to see if I needed anything. I can’t say enough good about them! If you need help with straightening out your debt situation don’t hesitate to call them as I highly recommend their services.

9 months ago

Reply from American Credit Card Solutions

We are so happy to hear this! Thank you!

Jun. 28th, 2022

star star star star star

Lynn Sanders Carrollton, TX

David W is very knowledgeable and friendly and keeps the mood light. Clearly he enjoys his job.

1 month ago

Reply from American Credit Card Solutions

We are so happy David was able to assist you!

Feb. 21st, 2023

star star star star star

grandma856 Winchester, CA

I joined the ACCS debt program 2 yrs ago (after researching several similar companies). And I am very pleased! The counselors and representatives are very respectful, pleasant, and knowledgeable. They always answer their phones,( you actually speak to a human). My payments to ACCS each month are applied to my debt exactly as promised. My monthly payments are about 1/3 of what I was originally paying to my creditors! I have complete access to my account, so it's easy to keep track of payments, settlements and amounts still owed. Over the past year, my credit score has increased by 85 points, and I am finally able to actually save money each month. Thank you ACCS!!

3 years ago

Reply from American Credit Card Solutions

You are so welcome, thank you!!

Mar. 1st, 2022

star star star star star

Mark Hanes Colonial Heights, VA

I AM REALLY IMPRESSED WITH THE WAY THAT AMERICAN CREDIT CARD SOLUTIONS HANDLES MY ACCOUNT. WHEN I HAVE A QUESTION OR QUESTIONS THEY COMFORT ME IN HANDLING THE SITUATION FOR ME. FOR EXAMPLE: IF I GET A CALL FROM THE DEBT COLLECTOR ACCS TELLS ME NOT TO ANSWER THE CALL AND WHEN I RECEIVE CORRESPONDENCE FROM MY CREDITOR'S THAT I HAVE ACCOUNTS WITH I SEND THE BILLS THROUGH GMAIL AND THEY RECEIVE IT THE SAME DAY. ALSO THEY WILL NOTIFY ME WHEN THEY RECEIVE MY BILLS AND DEBT COLLECTOR LETTERS WHICH MAKES ME FEEL SECURE BECAUSE THEY ARE NOT ONLY WORKING WITH ME BUT MY CREDITORS AS WELL. I AM VERY HAPPY THAT THE CUSTOMER SERVICE REPS AT ACCS ARE VERY PLEASANT TO TALK TO ON THE PHONE AND ARE VERY HELPFUL IN HANDLING MY SITUATION.

3 years ago

Reply from American Credit Card Solutions

Thank you!

Feb. 16th, 2023

star star star star star

allen knecht Sanford, FL

David was very knowledgeable and understanding of my situation. A pleasant doing business with him. Merry Christmas and a happy New Year

3 months ago

Reply from American Credit Card Solutions

Thank you so much for the positive feedback!

Dec. 23rd, 2022

star star star star star

Alyson Prewett Perkins, OK

awesome customer service very nice and explained all my questions

1 month ago

Reply from American Credit Card Solutions

Thank you!

Feb. 23rd, 2023

star star star star star

Sandra Larson Oroville, CA

Phillip was excellent in helping me through everything in getting started!!

1 month ago

Reply from American Credit Card Solutions

Thank you for the positive feedback!

Feb. 23rd, 2023

star star star star star_border

Miguel Terrazas Weimar, TX

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

1 month ago

Reply from American Credit Card Solutions

Lisa is wonderful! Thank you for the feedback!

Feb. 21st, 2023

star star star star star

julie biam San Antonio, TX

Lisa was so kind and was so patient. She was so helpful through the process.

1 month ago

Reply from American Credit Card Solutions

Lisa is wonderful! We are lucky to have her on our team!

Feb. 17th, 2023

star star star star star

Robert Timm Saginaw, MI

Very polite and personable, Susan was very knowledgeable about her job

1 month ago

Reply from American Credit Card Solutions

Thank you!

Feb. 17th, 2023

star star star star star

Cindy Plano, TX

David was fantastic… please give him some coffee and donuts !!

1 month ago

Reply from American Credit Card Solutions

David is wonderful!

Feb. 16th, 2023

star star star star star

Jonathan Gonzalez Austin, TX

Dan was a very helpful and nice customer service representative.

1 month ago

Reply from American Credit Card Solutions

Thank you!

Feb. 16th, 2023

star star star star star

Stefani Montgomery New York, NY

I would highly recommend this company! They are friendly, knowledgeable and true to their word. I have never done credit card consolidation and they worked with me every step of the way. There were no hidden fees or surprises. They worked with all of the creditors so I didn’t have to. My credit score took the initial hit like they said it would and from there has been on a steady incline. I am excited to have this burden lifted off of me and see my credit continue to increase. If you’re thinking about credit card consolidation, I would definitely give them a call.

1 year ago

Reply from American Credit Card Solutions

Thank you for the recommendation!

Nov. 5th, 2021

star star star star star

Deniza Contreras Tucson, AZ

I am so pleased that I chose ACCS to help me with creditors. They keep in touch with me, the keep me updated and are very helpful. The reassurance that they have given me is awesome, especially when I was so nervous when I started the process. Everyone is so kind, and so knowledgeable and always ready to help and answer my questions. I would recommend ACCS to anyone. Thank You!

2 years ago

Reply from American Credit Card Solutions

Thank you for the 5 star review!

Jan. 22nd, 2021

star star star star star

Alex Goodyear, AZ

I was very Leary on joining these kind of companies but I knew I needed help with the financial hole I got myself into. After looking at all my options I’m glad I went with this company. They upgraded their website and it is more detailed and it’s nice to be able to track how your money is being dispensed. Pay attention to it. Just like you do your own bank. If you have any questions or concerns customer service is very helpful in answering your questions.

3 years ago

Reply from American Credit Card Solutions

Thank you so much for the positive feedback!

Aug. 4th, 2021

star star star star star

Dave Guerra Potterville, MI

They were able to settle for about 50% less than what I owed. Great customer service and they answered every question I have ever asked in a very polite and professional answer. Everytime I need to move a payment date, they asked no questions and were able to move it. They saved me a bunch of money and I would recommend them to anyone in my situation.

3 years ago

star star star star star

Jacqueline Robinson Austin, TX

when I first became acquainted with your organization, I was a bit reluctant because I did not want my creditors to lose any money. But since I have no choice except to go through with it I have found your company to be quite friendly and polite, not to mention patient, especially Mr Danny C. I found him to be very nice and honest. He needs a raise for his hard work. I am happy with your company because you solve things with persistence and in a timely manner. Most importantly you keep in contact with people so that we may know what's going on. Thank you so much.

3 years ago

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