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American Credit Card Solutions

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LAST UPDATED: February 19th, 2024

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.

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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.


The Bad

  • Cost
  • Credit Score Impact
  • Limited Availability


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.


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.

View Best Debt Relief Companies

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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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Cliff Ingram Winston-Salem, NC

I'm glad to have some kind of plan to pay off my old debts. The downside is that does nothing to improve your. Credit by much. I was going to leave 5 stars. David was nice nice and professional. My problem is something I didn't realize until we got off the phone. I was lead to believe Credit direct was handling this. They are the ones I pre applied with. I was calling to proceed with my loan request. Davis sent me details about debt consolidation without taking out a loan. Of course I'm disappointed. But David doesn't work for credit direct or anything as far as I can tell. So the pre-qualified offer and All the calls and emails I was receiving from credit direct. Was basically a way to swindle me into a debt consolidation program. Notice im leaving a review on American credit card solution. I'm not leaving him a review on credit direct. Im again disappointed about not receiving my Cash loan. And I feel quite foolish, because I was basically mislead into by false pretenses. I due intend on paying off my collections. But I can't say anything else good about my experience.

4 months ago

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Reply from American Credit Card Solutions

Hi Cliff, I understand that you might feel disappointed about not receiving your cash loan and being referred to a debt resolution program instead. However, it's important to note that taking out a loan may offer a temporary solution, but our program can provide a more effective way to manage your debts, especially if they recently fell into collections. Our program can help you get back on track financially and achieve your financial goals. Thank you for sharing your experience with us, and we look forward to assisting you in reaching your financial goals.

Oct. 17th, 2023


Review Source

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G Anniston, AL

These guys helped themselves to add hidden fees every step of the way ,the only reason they get 3 stars is because they did what they said they would do although in a distasteful way

2 years ago

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Reply from American Credit Card Solutions

Hello Valued Client! We sincerely thank you for taking the time to post a review. Good or bad, client feedback is incredibly important in out never ending effort to provide the best possible customer experience. Please contact our Customer Support team at 877-820-2957 or [email protected], so that we have an opportunity to identify your file and take tangible steps to leave you with a better lasting impression.

Nov. 22nd, 2021