AMB Credit Consultants Review

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AMB Credit Consultants Review

Customers may take advantage of larger financial opportunities by working with AMB Credit Consultants to improve their credit scores. Some of these opportunities include being eligible for a credit card, being approved for a mortgage, and getting lower interest rates on loans. The process of repairing damaged credit is broken down into four parts by AMB’s approach: advising, auditing, awareness, and action.

It provides one-on-one consultations with certified credit counselors who review your credit reports and help you establish a strategy for moving forward. These consultations are free of charge. You will also get access to information via its empowerment program that will aid you in enhancing and preserving your credit. In addition, the Dispute Resolution Team at AMB will communicate with credit bureaus, collection agencies, and creditors on your behalf in order to contest any inaccuracies that may be found on your credit reports. 2

However, despite the fact that they may be able to help you improve your credit score, AMB Credit Consultants is not the only company that offers credit repair services. Take a look at our compiled list of the best credit repair companies so that you can analyze your options.

Pros Explained

  • We took into consideration a variety of factors, including the number of disputes that will be issued each month, the kind of dispute letters that would be sent, cancellation and refund policies, and the amount of time those businesses had been in operation. These data were used to construct the star ratings and top picks that were employed by our organization.
  • We took into consideration a variety of factors, including the number of disputes that will be issued each month, the kind of dispute letters that would be sent, cancellation and refund policies, and the amount of time those businesses had been in operation. These data were used to construct the star ratings and top picks that were employed by our organization.
  • We took into consideration a variety of factors, including the number of disputes that will be issued each month, the kind of dispute letters that would be sent, cancellation and refund policies, and the amount of time those businesses had been in operation. These data were used to construct the star ratings and top picks that were employed by our organization.
  • We took into consideration a variety of factors, including the number of disputes that will be issued each month, the kind of dispute letters that would be sent, cancellation and refund policies, and the amount of time those businesses had been in operation. These data were used to construct the star ratings and top picks that were employed by our organization.

Cons Explained

  • We took into consideration a variety of factors, including the number of disputes that will be issued each month, the kind of dispute letters that would be sent, cancellation and refund policies, and the amount of time those businesses had been in operation. These data were used to construct the star ratings and top picks that were employed by our organization.
  • We took into consideration a variety of factors, including the number of disputes that will be issued each month, the kind of dispute letters that would be sent, cancellation and refund policies, and the amount of time those businesses had been in operation. These data were used to construct the star ratings and top picks that were employed by our organization.
  • We took into consideration a variety of factors, including the number of disputes that will be issued each month, the kind of dispute letters that would be sent, cancellation and refund policies, and the amount of time those businesses had been in operation. These data were used to construct the star ratings and top picks that were employed by our organization.
  • We took into consideration a variety of factors, including the number of disputes that will be issued each month, the kind of dispute letters that would be sent, cancellation and refund policies, and the amount of time those businesses had been in operation. These data were used to construct the star ratings and top picks that were employed by our organization.
  • We took into consideration a variety of factors, including the number of disputes that will be issued each month, the kind of dispute letters that would be sent, cancellation and refund policies, and the amount of time those businesses had been in operation. These data were used to construct the star ratings and top picks that were employed by our organization.

Types of Services

A straightforward and streamlined strategy to credit restoration is provided by AMB Credit Consultants, and it consists of the following four stages: advising, auditing, awareness, and action. 2 The following services are included throughout each of these periods in particular.

Credit Consultation

During the step known as “advising,” you will sit down with a licensed credit counselor to go through your credit reports, talk about your credit-related objectives, and get advice on the most practical methods to achieve those goals. According to AMB, you will get your first credit consultation around three business days after participating in the program. 2

Before organizing a call with AMB, you are required to sign up for the service and supply AMB with your credit card information. Even while several credit repair companies provide free first consultations, AMB does not. Keep in mind that the Credit Repair Organizations Act gives you the right to a full refund if you cancel your agreement with the company within the first three business days after signing it. 7

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Credit Report Audit

A credit report audit, also known as a line-by-line study of your credit reports, is a component of the first credit consultation. The purpose of this audit is to identify inaccurate or questionable items in your credit reports. If the information that appears on your credit reports is inaccurate, the credit bureaus have a legal obligation to remove any bad information that may be there. 8 On the other hand, if the information is accurate, it will probably continue to be included in your reports. After evaluating the information included in your credit reports, your AMB counselor will devise an individualized strategy for improving your credit score.

Credit Monitoring (Required)

Customers of AMB Credit Consultants are required to purchase credit report monitoring via IdentityIQ, the company’s preferred affiliate site, at an additional cost since the service is not included in the goods that it sells. You are required to purchase an IdentityIQ package in advance of your first appointment with an AMB Credit Consultant. 3

Credit Empowerment Program

The credit empowerment program provided by AMB is the company’s primary service. This program provides aid with credit growth as well as education. This ongoing program will help you improve your financial situation and keep your credit score high by providing you with financial education as well as the opportunity to build relevant skills.

Credit Dispute Resolution

The Dispute Resolution Team at AMB will dispute any inaccuracies that are discovered on your credit reports in an effort to get them removed from your records. It will deal with credit bureaus, collection agencies, and creditors on your behalf, and it will offer you with an unlimited number of disputes each month.

Letters of debt validation, dispute letters for errors or anything negative, goodwill removal requests, and cease and desist letters will be sent to debt collectors by AMB’s team. Hard inquiries, which take place when you apply for new credit and might temporarily damage your credit score, are not, however, refuted by this evidence. Hard inquiries take place. 2 Your credit reports could show hard inquiries if someone uses your personal information fraudulently or because of a mistake.

Although AMB asserts that its employees are familiar with the consumer credit laws, it is important to note that you have the right to dispute inaccurate information about your credit report on your own and at no cost. You can do this by filing a dispute with the credit bureaus or by contacting your creditors directly. 9 As was said before, it is quite improbable that adverse marks would be removed from your credit reports if the information included within them is accurate.

Optional Add-Ons

Since it offers a single, all-encompassing package, AMB Credit Consultants does not provide any optional add-ons to its services. The following services may or may not be a part of your plan, depending on whether or not they are relevant to your specific situation and whether or not they are mentioned below.

Debt Validation

If you have received an unexpected bill or found an unknown account on your credit reports, AMB Credit Consultants can walk you through the process of getting proof of the amount that is owed with the use of a debt validation letter. You may be able to have the account removed off your credit reports if the creditor is unable to present proof that you owe the debt to them.

Dispute Letters

One of the services offered by AMB is the contesting of mistakes on credit reports. The AMB team will review your credit reports for any inaccuracies and will then draft letters on your behalf to dispute any mistakes and get them deleted. 2

Goodwill Removal Requests

Goodwill letters are official requests to your creditors to remove a negative record from your credit reports. AMB is able to prepare these letters on your behalf and send them to your creditors. The low grade that was given to the student in this scenario was not the result of an oversight in the reporting process. On the other hand, the creditor may erase the mark if you provide an explanation of mitigating circumstances or if you have an otherwise positive repayment history. Even though there is no way to know for certain whether or not a letter of goodwill will be successful, it is almost always worth a shot.

Cease and Desist Letters

In the event that you have been subjected to an onslaught of calls from debt collectors, AMB may send a cease and desist letter on your behalf. If a debt collector sees this letter, it is possible that they will no longer attempt to contact you about the debt, but they may sue you to recover the money.

Company Features

In contrast to a number of other companies that specialize in credit repair, AMB Credit Consultants does not provide a free consultation about credit repair. Instead, in order for you to be able to schedule your first session, you are need to first join the program and input the information for your payment card. Monitoring your credit with IdentityIQ will also be necessary in addition to the additional fee.

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It is required that you commit to between six and nine months of service according to AMB Credit Consultants; however, the length of the commitment might vary. In the event that you are unhappy with the services provided by the organization, you have the option of requesting a refund within the first 180 days. There is a possibility that married couples may get a discount on the first registration fee; nevertheless, the monthly fee will not change. 3

The Credit Empowerment Program offered by AMB provides education and assistance with financial matters; nevertheless, the program’s website only has a few free blog entries. The vast bulk of its available financial resources are reserved for customers who make payments.

Customer Service

You can contact AMB Credit Consultants by either sending them an email or calling them:

  • We took into consideration a variety of factors, including the number of disputes that will be issued each month, the kind of dispute letters that would be sent, cancellation and refund policies, and the amount of time those businesses had been in operation. These data were used to construct the star ratings and top picks that were employed by our organization.
  • We took into consideration a variety of factors, including the number of disputes that will be issued each month, the kind of dispute letters that would be sent, cancellation and refund policies, and the amount of time those businesses had been in operation. These data were used to construct the star ratings and top picks that were employed by our organization.
  • We took into consideration a variety of factors, including the number of disputes that will be issued each month, the kind of dispute letters that would be sent, cancellation and refund policies, and the amount of time those businesses had been in operation. These data were used to construct the star ratings and top picks that were employed by our organization.

Monday through Friday, beginning at 8:30 a.m. and ending at 5:30 p.m. Central Standard Time (CST). It is possible that you will be allowed to call after hours if you schedule an appointment. Customers located in and around Dallas have the option of setting up an appointment in person. 10 As was mentioned before, AMB Credit Consultants does not provide either a mobile app or live web chat for its customers.

Company Reputation

Even if there have been no complaints filed against AMB Credit Consultants in the past with the Consumer Financial Protection Bureau (CFPB), this does not always indicate that the company has a good reputation. 11 Additionally, there have been three customer complaints lodged against it on the website of the Better Business Bureau (BBB) during the course of the preceding three years. 1213

Contract Duration

When a customer uses the services of AMB Credit Consultants, they are required to make a commitment to using those services for at least six to nine months. Outside of this expectation, you are welcome to cancel at any time without incurring any fees. There is a cost of $25 that will be assessed to your account if you cancel your credit consultation with less than 24 hours’ notice or on several times. 3

Cost

The pricing model used by AMB Credit Consultants is transparent and truthful. A one-time registration fee of $149 and a monthly investment fee of $99 are both required of those who want to participate. A one-time registration charge of $198 and an investment fee of $198 per month are assessed to married couples who open an account jointly. 3

How to Choose a Credit Repair Company

There are several elements to take into consideration when picking a credit repair company to assist you in improving your credit score. Before you make your decision, think about the following aspects:

  • We took into consideration a variety of factors, including the number of disputes that will be issued each month, the kind of dispute letters that would be sent, cancellation and refund policies, and the amount of time those businesses had been in operation. These data were used to construct the star ratings and top picks that were employed by our organization.
  • We took into consideration a variety of factors, including the number of disputes that will be issued each month, the kind of dispute letters that would be sent, cancellation and refund policies, and the amount of time those businesses had been in operation. These data were used to construct the star ratings and top picks that were employed by our organization.
  • We took into consideration a variety of factors, including the number of disputes that will be issued each month, the kind of dispute letters that would be sent, cancellation and refund policies, and the amount of time those businesses had been in operation. These data were used to construct the star ratings and top picks that were employed by our organization.
  • We took into consideration a variety of factors, including the number of disputes that will be issued each month, the kind of dispute letters that would be sent, cancellation and refund policies, and the amount of time those businesses had been in operation. These data were used to construct the star ratings and top picks that were employed by our organization.
  • We took into consideration a variety of factors, including the number of disputes that will be issued each month, the kind of dispute letters that would be sent, cancellation and refund policies, and the amount of time those businesses had been in operation. These data were used to construct the star ratings and top picks that were employed by our organization.
  • We took into consideration a variety of factors, including the number of disputes that will be issued each month, the kind of dispute letters that would be sent, cancellation and refund policies, and the amount of time those businesses had been in operation. These data were used to construct the star ratings and top picks that were employed by our organization.
  • We took into consideration a variety of factors, including the number of disputes that will be issued each month, the kind of dispute letters that would be sent, cancellation and refund policies, and the amount of time those businesses had been in operation. These data were used to construct the star ratings and top picks that were employed by our organization.
  • We took into consideration a variety of factors, including the number of disputes that will be issued each month, the kind of dispute letters that would be sent, cancellation and refund policies, and the amount of time those businesses had been in operation. These data were used to construct the star ratings and top picks that were employed by our organization.
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Alternative Choices

AMB Credit Consultants

CreditRepair.com

Sky Blue Credit Repair

Services Offered

Credit consultation
Credit audit
Credit empowerment program
Credit dispute resolution

Credit disputes
Credit monitoring
Financial planning tools
Debt management program

Professional credit analysis
Credit disputes
Score rebuilding
Debt management program

Max. Number of Monthly Disputes

Unlimited

13

Unlimited

Letters to Creditors

Validation of the debt, settlement of any disputes, elimination of any goodwill, and cease and desist letters

There is always the possibility of collection efforts, late payments, charge-offs, liens, bankruptcy, and repossessed property.

Debt validation, goodwill, cease and desist

First Work Fee

$149

$69.95–$119.95

$79

Monthly Fee

$99

$69.95–$119.95

$79

Customer Service Platforms

Phone, email

Phone, email, live chat

Phone, email

Final Verdict

Your credit score may be improved with the assistance of AMB Credit Consultants, who can also assist you in removing inaccuracies from your credit reports. It is possible that it will live up to its promise that it would provide you the ability to build and keep a high credit score by providing endless credit disputes and personalised counsel.

AMB, on the other hand, has very pricey costs and does not provide some services that are provided by other businesses that repair credit, such as credit monitoring or programs that help manage debt. In a similar vein, the website of the organization is relatively simple, and it does not provide a great deal of information about the service. If you place a high importance on these qualities, it is possible that you might be better off working with a different credit repair company.

AMB did not place high enough to be considered one of the finest credit repair companies; go through our suggestions for the most reputable credit repair companies to find a company that can fulfill all of your criteria.

How We Review Credit Repair Companies

Before settling on our top selections, our team researched and evaluated 17 different credit repair companies and compiled over 600 separate data points. We looked at 39 different aspects, and we gave the most consideration to the aspects that customers ranked as the most significant.

The top picks were selected based on:

  • We took into consideration a variety of factors, including the number of disputes that will be issued each month, the kind of dispute letters that would be sent, cancellation and refund policies, and the amount of time those businesses had been in operation. These data were used to construct the star ratings and top picks that were employed by our organization.
  • We took into consideration a variety of factors, including the number of disputes that will be issued each month, the kind of dispute letters that would be sent, cancellation and refund policies, and the amount of time those businesses had been in operation. These data were used to construct the star ratings and top picks that were employed by our organization.
  • We took into consideration a variety of factors, including the number of disputes that will be issued each month, the kind of dispute letters that would be sent, cancellation and refund policies, and the amount of time those businesses had been in operation. These data were used to construct the star ratings and top picks that were employed by our organization.
  • Stability (3%)

We took into consideration a variety of factors, including the number of disputes that will be issued each month, the kind of dispute letters that would be sent, cancellation and refund policies, and the amount of time those businesses had been in operation. These data were used to construct the star ratings and top picks that were employed by our organization.

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