• We offer a wide variety of services and products to assist you in meeting your goals and needs.
  
• We offer a 100% Money Back Guarantee if we fail to provide the services set forth in our agreement.
  
• We will enforce your rights, as a consumer, under the various federal and state credit laws.
  
• We can obtain your credit reports for you and begin working on your case immediately.  Most credit repair companies allow you to pay for their services first, while they wait for you to obtain and send them your credit reports.  In most cases, this is a sure sign of an ineffective credit repair company.  All American Credit Services is one of the most effective and convenient credit repair companies in the industry.  If you need it we will supply it.
  
• We offer rapid rescoring, which has been used by mortgage brokers to repair blemishes on credit within 72 hours.  Available for non-members and members that need an emergency fix.
  
• We correspond with all three credit bureaus at a time, not one per month or one per file.
  
• We dispute each and every negative items that is listed on your credit file to get you to your optimal credit score.
  
• Our average client is enrolled in our programs for 3-6 months, but it is possible to see an improvement in your credit profile within 30-45 days.
  
• We never make false claims or promises  to our clients!
  
• No Contracts, No Hidden Fees, No Problem!
  
  

The most costly and obvious problem with bad credit is the inability to obtain new credit. Credit Cards, most if not all, are completely inaccessible to consumers with horrible credit. The few credit cards that are accessible to consumers with bad credit are known as sub-prime cards, and may do more damage then good. Sub-prime cards usually require outrageous setup fees or recurring monthly fees, offer extremely low credit lines (from $100-300), often demand cash deposits, and in many cases will not report your positive credit to the credit bureaus.

If you're making payments on a car, you are likely paying between $6,000 and $10,000 more in interest, if you have bad credit. This additional interest increases your monthly payments and increases your time to pay you debt off. For Example:

No we cannot. Please beware of credit repair companies that say they can 100% guarantee and promise to remove all of your negative credit. The law doesn't allow credit repair companies to warrant removal of negative information. However, it is not the law that prevents us from making such claims, it is merely unethical to guarantee clients the removal of all negative information on their credit. No credit repair company can remove verifiable and complete information from your credit file. However, we will say their is a way around verifiable data. We enforce each creditor to verify certain information, such as account numbers, dates, and original creditor, that we believe they are unable to verify and provide document for. This process has not and will never fail.

We have been very successful in assisting clients to remove inaccurate, unverifiable and incomplete items from their credit profile, hence improving their credit score. We pride ourselves on results and we are willing to assume some, if not all, of the risk of enrolling into our program.  If we can't assist in improving your credit profile you are 100% covered under our money back guarantee. We urge all of our clients to order their credit reports through our order form or forward their credit reports to review@allamericancredit.net before enrolling into our program.  We will review your credit profile at no additional charge.

Your credit score is used to determine whether or not you are able to receive new credit, and if you are, what the interest rate on that credit will be. Just a few points on your credit report may drastically affect your ability to receive new credit and can cost you hundreds if not thousands of dollars, through increased interest rates, when making large purchases. If you are making a large purchase, such as a new home and you want to quickly improve your credit score you now have a new option called Rapid Rescore.

Rapid rescore is a way of improving your credit score quickly by correcting items and then having your credit score "rapidly" adjusted. With rapid rescore items such as charge offs and collections can be corrected. If you pay off a balance on a credit card that can also be taken into account, and can improve your score. Credit restoration can take months, but rapid rescore makes those changes to your score in days.

All American Credit Services will discuss the potential benefits of rapid rescore with you, and determine whether or not it is right for you in your situation. You will be responsible for providing us with documentation that you have paid certain creditors or the court. From start to finish, the rapid rescore process will take anywhere from three to five business days, assuming you promptly get all documentation to us. After the rapid rescore is done your credit rating will be permanently changed to its new rate.

• Amount of available credit
• Payment history
• Recent requests for credit
• Amount of credit currently being used
• Length of credit history
  
  

Negative credit remains on the credit report for a maximum of 7 years, except for bankruptcy, which may stay on the credit report for 10 years. By paying off an unpaid, overdue debt the account status will change to "paid collection," "paid was late," or "paid was charged off", which will still be considered as a very negative listing. When you have unpaid debt, it is wise to seek professional help to settle or dispute your debt without further damage to your credit.

There is, absolutely, no type of negative listing that has not been removed from a credit report, if it is unverifiable, inaccurate or incomplete. Public record information fall under the same guidelines as any other negative listings. If it cannot be verified or if it is inaccurate, it must be corrected or deleted from the report.

Absolutely! We highly recommend that you call or email us at review@allamericancreditservice.net. One of our professional credit consultants will assist you in determining the best solution for your credit needs. You can also visit the contact us page on our site and contact our consultants at your convenience to learn more about your credit repair options.

At All American Credit Services, we are confident that we will improve each case we take on. We are so confident in our customer service and credit repair services that we offer a 100% Service Satisfaction Guarantee. We take pride in our work and customer support and are devoted to providing our clients with the most gratifying experience possible.

Many bankruptcy lawyers don't adequately explain the consequences of bankruptcy to their clients. Bankruptcy is to credit rating as the nuclear bomb is to war. When you file for bankruptcy, all credit accounts, that you decide to include in bankruptcy will change to a status of "included in bankruptcy" . In addition, a bankruptcy filing and bankruptcy discharge listing will appear in the court records section of your credit report. Bankruptcies are not the way to go unless you feel you have no other options. Although, there are always other options.

Any amount of negative credit is devastating to your chances of being approved by a creditor. Most creditors never actually look at your credit report. A computer pulls your credit report, rates your credit worthiness, income, indebtedness, and stability, and then chooses to accept or deny your application, based on their results. Even one or two late payments can trigger a credit card or personal loan denial. The slightest amount of negative listings may cause the interest on an auto loan to skyrocket. You will probably find that even a little bad credit, regardless of how much good credit you have, is an unexpected roadblock to credit approval.

You will receive all results by mail from the creditors and credit bureaus. You must then forward the originals to us for our next stage of the credit repair process.