American Credit Relief, information and resources for Credit Relief

Having bad credit can cost you
hundreds of thousands or even
millions of dollars during your lifetime.

WARNING: If your mid FICO score is not over 720 you are paying too much!

Have you ever been turned down for a credit card application or had to leave a deposit on items such as a cell phone or utilities?
Have you ever been denied for the financing of a home or car?
Are you paying ridiculously high interest rates on your home mortgage; auto; and credit card financing?

FACT: Almost 100% of consumers have experienced some kind of error on their credit history.

All financing you will ever need to have in our society is based on your personal credit history and FICO scores. All money lenders determine the interest rates they will charge you by examining your credit.

WE CAN HELP YOU LEGALLY REMOVE NEGATIVE, INACCURATE; OBSOLETE; AND ERRONEOUS ITEMS ON YOUR CREDIT STARTING TODAY!

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Fields marked with are required This offer is available to residents of the United States. Due to current legislation we are unable to help residents of the state of New York


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How much is bad credit costing most consumers? Below are just a few examples:

Credit Cards:
Most, if not all prime credit cards are entirely out of reach to consumers with bad credit. And the few credit cards that are available to them (known as "sub-prime" cards) typically require exorbitant setup fees or recurring monthly fees, offer very low credit lines, often require cash deposits, and in most cases do not even report your positive credit activity to the credit bureaus. There are many variables regarding payoff times. Click here to use out Credit Card Payoff Calculator

Automobile Financing:
If you are making payments on a car, you are probably paying between $5,000 and $9,000 more just for having bad credit. This added interest shows up every month in a higher payment. Take a look.

$20,000 car paid over 5 years:

Credit Rate Payment Cost of Bad Credit

Perfect 10% $424.94 $0.00

Mildly Damaged 14% $465.37 $4,722.54

Damaged 20% $529.88 $8,593.30

Home Mortgage:
Almost nothing costs you more than the cost of bad credit when financing a home. A typical home can cost between $75,000 and $390,000 more in interest if you are buying the home with bad credit.

$200,000 home paid over 30 years:

Credit Rate Payment Cost of Bad Credit

Perfect 6% $1199.10 $0.00

Mildly Damaged 9% $1,609.25 $147,654.55

Damaged 12% $2,057.23 $308,926.80

Below are a few of the benefits you'll enjoy with good credit:

Finally get approved for a home loan-without a ridiculously high interest rate? Then you can relax in your own home and build equity in you future.
If you don't have a credit card, now you can get one-even one with a great low interest rate.
Actually get financed on the "big ticket items" you may have always wanted.
Get approved for the car or truck you want-without having to pay ridiculously high payments!
Don't worry about making deposits or making payments with money orders.
Refinance your home or car at a prime rate of interest. Save $100's of thousands over your lifetime.
Get great low auto or health insurance. Don't be surprised if you save 27% on your auto insurance alone!

Having bad credit can cost you hundreds of thousands or even millions of dollars during your lifetime.

Having bad credit can cost you
hundreds of thousands or even
millions of dollars during your lifetime.