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[A492]American Credit Counseling Service

by Victoria Barnes, Vic

All American Credit Services has been providing superior credit restoration and expert credit consulting services that have remained dependable, affordable and effective for over ten years. Communicating with our clients through each process of the repair and rebuilding process is very crucial. We pride ourselves in catering to each client’s needs and goals, while providing personal attention that each customer requires. All American Credit Services is a privately held company based in San Diego, California. The company has an extensive background of talent and experience in credit restoration, collections, and consulting services amongst its staff. We have a well experienced staff that is ready and willing to go far beyond your wants. We consists of a team of: credit advisers, customer service representatives, licensed real estate agents and loan officers.
Our staff of extremely trained consultants will analyze your credit reports, analyze your current situation and credit file, and provide you with a customized solutions to meet your wants and goals.

Why Take Advantage of All American Credit Services?
We are a one stop shop for all your credit restoration, collections, mortgage & real estate needs. All American Credit Services goes far and beyond just fixing credit. We can help you from start to finish. We can rebuild your credit report, lift your credit score, assist you in applying for and obtaining a mortgage, buying and selling real estate and much more.
While there are a handful credit repair businesses who attest to be credit repair organizations, most of them lack the experience and expertise needed to effectively and permanently repair your creditreport.
Advantages of using All American Credit Services are:
* 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 are unable 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 instantly. 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.
* 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 communicate with all three credit bureaus at a time, not 1 per month or 1 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 customer 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!
Visit or for Spanish speaking clients

Although you try your best to keep our finances under control and pay our bills on time, there are times when you find yourself in unmanageable debt. If you're experiencing slow or no payments on your credit cards, student loans, or car payments, credit counseling might be the answer you're
looking for.

A credit counseling agency can help by finding ways to reduce and manage your debt. They do this by contacting each of your creditors to negotiate new repayment terms. Credit counselors
will also sit with you to review your budget and lifestyle to see if they can help by improving your spending habits and money management skills.

Finding a Credit Counseling Agency

Although there are many decent credit counseling agencies out there, scams and illegitimate companies do exist. You should avoid companies that claim to erase your debts or repair your credit in a short amount of time. It takes time to get credit card and other debts under control and repairing your credit can take several months to a few years. Watch out for agencies that charge high up-front fees.

Your best bet is to find a not-for-profit credit counseling agency or an agency that is accredited by a third party. Those agencies with accreditation must follow moral rules and quality standards.

Conduct a search online or use your phone book to find a credit counselor. Don't be afraid to ask questions about fees, accreditation, or other concerns you may have.

Credit counseling agencies have certain criteria you must meet before you may enlist their help. Your debts must be at least a certain dollar amount, and other conditions may apply. The credit counselor will ask you a few questions to make sure that you qualify for their services.

Your Credit Report
Some individuals are concerned about their credit reports and what credit counseling can do to change it. Sometimes, your creditor may put a negative remark on your credit report for using the services of a credit counseling agency. This is because the agency will negotiate repayment terms, meaning that you haven't kept your obligation to pay the amount in full, or with previously set interest rates.

However, this may be better missing payments or turning in late payments. Creditors report to credit agencies to mark these incidents, thus reducing your credit score. In the long run, it is best to get debt under control and pay them off. After that, you can work on slowly rebuilding your credit score.

What Happens After Using the Service of a Credit Counselor?
Your credit counseling agent will be able to help with personal finance education so you do not get into a sticky situation in the future. They will do so by discouraging credit card use and will show you ways to use credit wisely to rebuild your credit. Credit counseling agencies may also require you to cut up your credit cards to avoid such circumstances. Whichever solution you opt for, remember that a credit counselor has your best interest at heart.

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About Author

Both Victoria Barnes & Antonio Silver are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Victoria Barnes has sinced written about articles on various topics from Credit Counseling. . Victoria Barnes's top article generates over 590 views. to your Favourites.

Antonio Silver has sinced written about articles on various topics from Credit Counseling, Debt Consolidation and Finances. Get the latest in credit counseling know how from the only true source at http://www.debtexpire.com. Check out our pages.. Antonio Silver's top article generates over 9900 views. to your Favourites.