Credit Repair Consultant

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Safe Harbor Disclosure: THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV.  We are not affiliated with the Annual Credit Report program. Under Federal law, you have the right to receive a free copy of your credit report once every 12 months from each of the three nationwide consumer reporting agencies at or 877-322-8228, the ONLY authorized source under federal law.

​What is a Credit Score?

A credit score is a number generated by a mathematical formula that is meant to predict credit worthiness. Credit scores range from 300-850. The higher your score is, the more likely you are to get a loan. The lower your score is, the less likely you are to get a loan. If you have a low credit score and you do manage to get approved for credit then your interest rate will be much higher than someone who had a good credit score and borrowed money. Therefore, having a high credit score can save many thousands of dollars over the life of your mortgage, auto loan, or credit card.

​​​We will help you to dispute negative items in your payment history.

  • We will show you how to maximize your debt ratio score, even if paying off credit cards is not an option.
  • We can also help you to removing credit inquiries from your credit report. Most people are aware of the three credit reporting bureaus, Equifax, Experian and TransUnion. The average difference in scores between the highest and lowest of your credit scores, from the three bureaus, is 60 points. This is the result of the credit bureaus having different items on their report, which may be correct, incorrect or are not reported in full compliance with credit law. According to a recent study, nearly 80% of all credit reports have serious errors on them and this does not even include the even smaller errors for which we look.
  • If you cannot remove at least 25% of the negative credit items from all three of your credit reports, we will refund 100% of your fee.

The credit analysis report is broken down into the following 5 sections:

​​In addition to starting the credit dispute process with you, what can I do to help raise my credit score?

Pay all of your bills on time, every time. This includes your utility bills, mortgage and auto payments, and all of your revolving lines of credit like credit cards. Check your credit report at least once a year. You can find out how to challenge bad information on your credit report here.

Never charge more than 30% of the available balance on any of your credit cards. Banks like to see a nice record of on-time payments, and several credit cards that are not maxed-out. If you are carrying high balances on your credit cards, then make paying them down below 30% a priority. Do use your credit cards – Many people who make mistakes with their credit believe that the best way to fix things is to never use credit again. If you are afraid that you cannot handle your credit cards correctly then the best policy is probably this one: Run only your utility bills on your credit cards each month, and then pay the balance in full by the due date. This ensures that your utility bills get paid on time automatically, and as long as you keep the habit of paying off your credit card balance each month your score will continue to go up. Leave the credit cards locked in a safe or drawer at home.

Keep your accounts open as long as possible – Even if you are no longer charging on the card. The best policy is to keep those unused accounts open, blow the dust off your card every few months to make a small purchase, then pay it off. How long each of your accounts have been active is a major factor in your credit score.
Remember that this all takes time – Following the above steps consistently over a long period of time will increase your credit score and allow you to qualify for better loans and lower interest rates. Repairing your credit score does not happen overnight, so if you do these things for a few months and do not see a large increase in your score, do not give up. They are all habits that you will want to maintain throughout your life, as they will help you to keep your finances and lines of credit under control.

​​How long will certain items remain on my credit file?

  • Delinquencies (30- 180 days): A delinquency may remain on file for seven years; from the date of the initial missed payment. 
  • Collection Accounts: May remain seven years from the date of the initial missed payment that led to the collection (the original delinquency date). When a collection account is paid in full, it will be marked as a “paid collection” on the credit report.
  • Charge-off Accounts: When a delinquent account is sent to a collections company. This will remain for seven years from the date of the initial missed payment that led to the charge-off (the original delinquency date), even if payments are later made on the charge-off account.
  • Closed Accounts: Closed accounts are no longer available for further use and may or may not have a zero balance. Closed accounts with delinquencies remain for seven years from the date they are reported closed, whether closed by the creditor or by the consumer. However, the delinquency notation will be removed seven years after the delinquency occurred when pertaining to late payments. Positive closed accounts continue to be reported for ten years from the closing date.
  • Lost Credit Card: If there are no delinquencies, credit cards reported as lost will continue to be listed for two years from the date the creditor is contacted. Delinquent payments that occurred before the card was lost are reported for seven years.
  • Bankruptcy: Chapters 7, 11, and 12 will remain on one’s credit report for ten years from the filing date. A Chapter 13 bankruptcy is reported for seven years from the filing date. Accounts included in a bankruptcy will remain for seven years from the date reported as included in the bankruptcy
  • Judgments: Remain seven years from the date filed.
  • City, County, State, and Federal Tax Liens: Unpaid tax liens remain for fifteen years from the filing date. A paid tax lien will remain on one’s score for 10 years from the date of payment.​
  • Inquiries: Most inquiries listed on one’s credit report will remain for two years. All inquiries must remain for a minimum of one year from the date the inquiry was made. Some inquiries, such as employment or pre-approved offers of credit, will show only on a personal credit report pulled by you.​

​Information that cannot be in a credit report:

  • Medical information (unless you provide consent)
  • Notice of bankruptcy (Chapter 11) more than ten years old
  • Debts (including delinquent child support payments) more than seven years old
  • Age, marital status, or race (if requested from a current or prospective employer)​



one time enrollment and document fee.
  • Implement a dispute action plan that is strategically created to produce fast results.
  • Credit Education
  • 24/7 Client Portal Access to track the progress of your credit repair.
  • Credit Specialist Support
  • Create customized dispute letters to credit bureaus and manage each round of disputes every 30-45 days, and provide updates.
  • Credit Building
  • Implement Advanced Dispute Tactics when necessary which hold the credit bureaus and creditors accountable to federal laws and regulations.
    Unlimited Disputes to Equifax, Experian, and TransUnion


one time enrollment and document fee.
  • Implement a dispute action plan that is strategically created to produce fast results.
  • Credit Education
  • 24/7 Client Portal Access to track the progress of your credit repair.
  • Credit Specialist Support
  • Create customized dispute letters to credit bureaus and manage each round of disputes every 30-45 days, and provide updates.
  • Credit Building
  • Implement Advanced Dispute Tactics when necessary which hold the credit bureaus and creditors accountable to federal laws and regulations.
    ​Unlimited Disputes to Equifax, Experian, TransUnion, and to All Collections reporting negative, unverifiable, and updated.


one time enrollment and document fee.
  • Implement an EXPEDITED dispute action plan strategically created to produce fast results.
  • Credit Education
  • 24/7 Client Portal Access to track the progress of your credit repair.
  • Credit Specialist Support
  • Create customized dispute letters to credit bureaus and manage each round of disputes every 30-45 days, and provide updates.
  • Credit Building
  • Implement Advanced Dispute Tactics when necessary which hold the credit bureaus and creditors accountable to federal laws and regulations.
    ​Unlimited Disputes, including inquiries, to Equifax, Experian, and TransUnion along with Personal Identifiers, Creditors, and Collection Agencies.
    Initial Suppression/Freeze letters to the 6 major consumer agencies and general personal identifier disputes with those agencies of what is being reported on the Credit Report.

What our clients are saying

What is Credit Repair

Credit repair is a process that can help you improve your credit score and undo the damage done to your credit health because of faulty financial behavior in the past.

There are many reasons why people need to use credit repair services, but the most common cause is faulty financial behavior in the past. This could be anything from missing payments to maxing out your cards and not paying them off. Whatever it may be, there’s nothing wrong with wanting to fix what you did wrong in the past so that you can move forward into a better future.

If this sounds like something you want for yourself or someone close to you, then we’re here for you! We have credit repair specialists who know how to rebuild your credit health and get rid of any bad marks on your report so that lenders will once again consider lending money to you. It doesn’t matter if it was just one mistake or an entire lifetime’s worth of mistakes – our team has seen it all before, and they know how best to help make things right again.

You deserve a good credit score! Don’t let any error or mistake prevent you from getting the best possible deal for loans and other services that require a high FICO score. Contact us at the credit consultant association today for more information about credit repair in Illinois! We offer free consultations so call us now.

How Does It Work?

The first thing you should do is dispute the information with the credit bureau that reported it. If they don’t investigate, then you can contact the company that provided the information and ask them to look into it. But if they determine your dispute is frivolous, they may not have to investigate as long as they communicate this to you within five days of receiving your request.

It’s important to understand how disputes work so you can make sure your rights are protected when dealing with credit bureaus and companies who provide data about you.

Why These Credit Repair Services?

Reputation – We provide a detailed analysis of all reviews across verifiable platforms to understand the overall sentiment.

Expertise – We’ve got all the expertise and resources needed for success in one place.

Service Quality – Quality service is a must for any customer. Our team is experts in delivering the best possible customer experience.

Consistency – Dedication and commitment towards the work produce high-quality outcomes.

Customer Service – Customer satisfaction is a key factor in the success of any business. Our motive is to provide great customer service from start to finish.

How Much Does It Cost?

Credit repair companies can be a great resource for people who are trying to fix their credit. They offer services that range from removing negative items on your report to helping you establish new credit if needed.

You may be wondering how much it costs to fix your credit. There are a few factors that will affect the cost of your credit repair, but there’s one rule they all have to follow. Credit repair companies can’t request or receive payment until they deliver the promised results. This means that if you don’t see any improvement in your scores after 30 days, then you won’t owe anything for their services.

If this seems like something you wanna do, then contact us today, and we’ll help you get started! We are here to give solutions to all of your questions and provide a free  credit repair consultant in Illinois so we can determine what’s best for you and what type of service is right for your needs. We offer affordable pricing plans with no hidden fees or contracts – just great customer service from start to end!

Our Illinois Credit Repair Services Include: (Content Slider)

Collections – Collections can be a major problem for your credit score. It’s important to remove them from your report as soon as possible. Luckily, it’s not permanent, and if the information being reported is unfair or inaccurate, you can dispute it to see if it will come off your credit reports.

Late Payments – Late payment removal can help you to increase your credit score. Ask your lender for a goodwill adjustment letter. It will help to remove the late payment from the credit report.

Charge-Offs – A charge-off is when the lender chooses not to try collecting payments from you anymore. It can happen for any type of loan, including credit cards, auto loans, personal loans, and more. A charge-off will stay on your credit report for many years. If you’re dealing with a charge-off, act quickly! The sooner you start discussions about settling the problem, the less impact it might have on your overall credit score.

Bankruptcies – Are you looking for a way to remove bankruptcies from your credit report? You may be amazed to find out that bankruptcy is not a permanent mark on your credit report. Deleting them earlier is difficult but possible. If you’re too busy or overwhelmed with this process, hiring an expert will save you time and stress. ACC provides best credit restoration services and is sure to save you a lot of time!

Repossessions – Have you ever had a repossession on your credit report? If so, you may be wondering how to remove it. You’re not alone! Many people are looking for ways to remove repossessions from their credit reports. But don’t worry – there’s hope! There is a way to rebuild your credit and potentially get the listing removed from your report. We will provide you with all the details you need about removing repossessions from your credit report in order to help improve your score.

Foreclosures- You’ve been trying to remove a foreclosure from your credit report for months, but it just won’t go away. It can be irritating & time taking to try and get rid of a negative item on your credit report. But you do not have to do it alone! We’re here to help you with the process of removing a foreclosure from your credit report by providing you world’s best credit repair services in Illinois.

Judgments –  You’ve had a judgment taken against you for a debt. What can you do? There are three ways to remove judgments from your credit report, and they all depend on the type of judgment. If it was vacated, then you should appeal for that. If there are inaccuracies in the information, then dispute them with the credit bureaus. And if you want to pay it off, just make sure to do so before any other debts or bills come due!

Dispute Code Removal – You’ve been denied a mortgage because of an open dispute on your credit report. What now? The great news is that you can remove the dispute from your credit report and get back to living life! But first, it’s important to know why this happened in the first place. If you have an open dispute on your credit report, it means that someone has disputed something about your account with one or more of the three major bureaus. Get in touch with us today to get credit restoration services.

  • Credit Coaching
  • Re-Establishing Credit
  • Debt Settlement
  • Student Loans

What You Get with Credit Repair Services

Repair Your Credit History – ACC is here for you. We work with the credit bureaus and creditors to ensure your report reflects your finances accurately. Our experts will stay connected with you through every step of the process, so there’s no confusion or surprises along the way.

Monitor Your Credit Profile – Protect your credit profile with 24×7 monitoring and alerts. Credit bureaus experts provide customized information about how reported items affect your score, as well as alerts when new activity happens on your account.  

Build Your Financial Future – Credit repair is a process that can take time and effort. Consumer financial protection bureau have tools, educational approaches, and proven technologies that can guide you through the tasks and action items needed for maintaining a healthy score.

What Do Credit Repair Companies Do?

As  a Credit Repair Organization in Illinois we specialize in helping people with poor credit scores get their lives back on track. Whether it’s a bankruptcy, foreclosure, or even an unpaid bill from the doctor’s office, we know how to dispute these items and make them disappear from your report. It may seem like magic, but it’s not! These are just some of the best credit restoration services that we offer to help you rebuild your credit score.

Our Credit Repair Process

Credit Report Analysis –  We analyze your reports and find out what needs to be done to improve, and then we make a strategy of the negative items that are affecting your credit score.

Credit Disputing – Our professionals will send the relevant correspondence to dispute and challenge the inaccurate negative items on your behalf. 

Dispute Escalation – If you’ve ever had a dispute with a company, you know how frustrating it can be. Dispute Escalation is here to help! We make sure your credit rights are fairly represented and that the process goes on until we get results for you. Our credit repair in Illinois will work tirelessly to ensure your needs are met.

Credit Mentoring – Our online website portal offers 24/7 online access to your credit score analysis as well as credit repair in Illinois to help you reach your goals of having a good credit score.

The Advantage Of Having A High Credit Score

A high credit score is an important part of your financial life.  It can decide whether or not you qualify for a loan, what interest rate you will be charged on that loan, and even if an insurance company will offer you coverage. A good credit score is not the only thing lenders will look at; however, it is a big portion of it. High score points at trustworthiness, and lenders are looking for folks they can believe in repaying the amount they are loaning.

Steps That Gonna Help You To Make Your Credit Score Better

It’s important to take care of your credit score because it can affect many aspects of your life. If you want to be able to get loans, find the best interest rates on loans, or even qualify for certain jobs, then it’s important that you take care of your credit score. 

Here we are sharing three simple steps that will help improve your credit score.

1) Try to Don’t miss Due payments 

2) Keep balances on your credit-cards under half the credit limit 

3) Always regularly check your credit status or report.

How To Dispute Errors On Your Credit Report 

You deserve accurate information about yourself in order to make good financial decisions. That’s why we exist! So let us help you, so get started today by providing all the tools and resources that are available to help you fix any mistakes that might be holding you back from getting loans or jobs or even renting an apartment. It doesn’t matter where those errors came from – they can happen anywhere, anytime, so it is best not to wait until it is too late before taking action.

You can dispute errors with creditors!  American Credit Consulting team is here to help you get back on track with your finances.

Key Points to Remember About Credit Repair

Due to poor credit history, it can be difficult to get the things you need. You might not qualify for loans or even rent an apartment. But there are many credit restoration service providers that will fix your credit and make life easier. Credit repair is one way that people with poor credit histories can improve their situation. Here is what you should know about it before making a decision on whether or not to pursue this option.

  1. You can do it by yourself
  2. You are entitled to free credit reports
  3. Your credit score indicates where you stand
  4. Closing your account doesn’t work
  5. Be wary of credit repair specialists firms

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