"I'm a single parent, I was paying over 10% on my mortgage because of poor credit. I was introduced to AACS and after going with the CAP program I just closed on my re-financed mortgage at 6.25% saving me $325.00 a month and now I can pay off my car"
Susan F. Michigan

1. Who are you?

2. What is the Credit Assistance Program?

3. Is this service guaranteed?

4. Once the derogatory reporting has been removed will they ever return to my credit report?

5. Can you really repair anything derogatory from my credit report?

6. Is this legal?

7. How long will it take to improve my credit?

8. Why is the cost only $399.00 for Individuals and $898.00 for Couples?
       (payment plan is $499.00 per individual and $998.00 per couple)

9. Can I pay by check?

10. How do I pay with a credit card?

11. Can I get an authorization form and payment info faxed to me?

12. After I sign up do I have to do all the work?

1. Who are you?
We are AACS Ltd Co and our unique Credit Assistance Program (CAP) has helped thousands of clients over the years qualify for financing their dreams through the removal of derogatory reporting on their credit report from all three credit bureaus.
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2. What is the Credit Assistance Program?
We provide a FULL Credit Restoration Service.

  1. Credit Review - We discuss your credit and plan a credit recovery.  We accept your application for membership then request your credit reports from all three bureaus.  Then we look over your reports for final planning.
  2. Credit Recovery - We submit all disputes to the three bureaus.  We update your file as the three bureaus respond within 30 days.  We re-dispute any items that may be left.  We continue to update your file as the bureaus respond and will dispute until the desired results are obtained.
  3. Credit Watch - We monitor your file for an entire year and watch for any items that may have been re-submitted and will attack any items that re-appear.  You can contact our customer service team for a year to discuss any negative items we may find and we'll plan a course of action.
  4. Credit Builder - Now that you've improved your credit it may be time to re-build or enhance it.  You may need to close some accounts or open more credit lines.  Whatever the case may be, we will help.  If you're over-extended our experienced staff will advise you on which accounts to close and how to do so without damaging your credit score.  If you need to establish some more trade lines, we have close relationships with several banks that accept 99.9% of all applicants and at reasonable rates.

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3. Is this Service Guaranteed?
Yes!  We provide a Money Back Guarantee! Our process works or you get your money back!
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4. Once the derogatory Reporting has been removed will they ever return to my credit report?
No!  Once the derogatory reporting has been removed they will not return unless you repeat what caused the derogatory reporting.
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5. Can you really remove almost anything derogatory from my credit report?
Yes we can attempt removal of most derogatory reporting, including but not limited to;:

    Bankruptcy, judgments, medical bills, collections, evictions, telephone bills, automobile bills, tax liens, child support, foreclosure, repossession, charge-offs, slow pays, write offs, student loans, and anything derogatory !

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6. Is this legal?
Credit repair is as legal as pleading "not guilty" in a court of law. It is entirely within your rights, and the freedom to do so is protected by law. In fact, the only way to modify your reports is to use the laws. Credit repair companies act as a check and balance system against the credit bureaus and collection agencies. We have the consumer in our best interest. Each year the creditors and credit bureaus spend millions of dollars to get the public to think that credit repair either does not work, or is illegal.

They feel this is the only way to keep control. If you notice, the bureaus are usually making these negative statements themselves. If the process did not work, why would they spend so much money trying to deter you from this effort? We have provided several resources on our web site to share with you the laws designed to explain how credit repair is legal and how it is your right throughout the United States. Credit Repair Organizations Act
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7. How long will it take to improve my credit?
This depends on your credit report (number of derogatory reporting). Although it is possible to restore your credit within 30 days we ask for 60 - 120 days to restore most. Keep in mind that within the first 30 - 45 days most things will be removed with the remaining removed shortly there after.
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8. Why is the cost only $399.00 per individual and $898.00 per couple?
       (payment plan is $499.00 per individual and $998.00 per couple)
Hundreds of our clients paid the standard office visitation CAP cost is $699.00 But through advancements of our system and utilizing our in-house process and the Internet we are able to better utilize our staff and resources by distributing the work load and we can now reduce our prices.
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9. Can I pay by check?
Yes, we accept personal checks, also we use Paypal, Phone payments, or FAX via Q~Check
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10. How do I pay with a Credit Card?
We now Accept Paypal payments. .
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11. Can I get an Authorization Form and Payment info Faxed to me?
Simply send us an email with "Fax Authorization Form" in the subject line and give us your name and fax number and we will fax the forms to you.
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12. After I sign up, Do I have to do All the work?
Other companies may have you fill out "form" letters and sent them out and you end up doing all the work. AACS will do all the work you. All you need to do is mail or FAX in the various reports and letters that the credit bureaus and creditors send to you in response to our disputes, let us worry about it.

We may ask you for ID verification information and supporting documentation, but other wise you've paid us for a service and we will do it.

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