About Us

American Credit Consulting is different from many other credit service organizations.  Despite the misleading marketing that many “so-called" credit repair companies market to consumers such as: “24-hour deletions, or “have your credit score increased by 100 points in 24-hours,” in other words, as a company with a magic credit report eraser or score booster, has unfortunately drawn negative scrutiny to the credit repair industry, which has produced the misconception that credit repair is a scam or doesn’t work.  To the contrary, credit repair is not a scam, and essentially is effective, contingent on using your due diligence in hiring a legitimate, and reputable credit repair company.  A reputable, legitimate, and ethical company will always advise you verbally and in writing that credit repair takes time and will also explain verbally and in writing to you the process, and what to expect before you get started.

Turning to a trustworthy, reputable, and ethical credit repair company such as American Credit Consulting won’t just help you with repairing your credit, but also will provide you with credit education, credit monitoring through our credit monitoring partnership, and help you establish a positive credit history with our credit building partners.  

American Credit Consulting utilizes a Pre-Litigation Method of disputing by using a Power of Attorney and Affidavit Disputing Model to invoke the power of the Fair Credit Reporting Act (FCRA), Fair Credit Billing Act (FCBA), and Equal Credit Opportunity Act (ECOA) amongst others to challenge Metro 2 violations with the CRAs and Data Furnishers on our Client’s behalf as their Legal Authorized Representative effectively and efficiently. 


Simply put, Metro 2 is a “electronic data reporting format” that is the industry standard designed to meet the "maximum possible accuracy" requirement of the FCRA.  The FCRA requires that CRAs utilize reasonable procedures to ensure maximum possible accuracy of the information being reported on a consumer’s credit report. The FCRA also requires that the CRAs properly conduct a reinvestigation after the consumer disputes the accuracy of the information and ultimately correct the disputed information or delete the information which is inaccurate, or which cannot be verified. Violations of these duties subject a CRA to actual damages and attorney fees if the failure is negligent.  If the failure is willful, the CRA can be held liable for statutory and punitive damages.

In the event that the CRAs or furnishers breach their duties, the Pre-Litigation Approach of disputing supplies significant legal leverage in the event that the dispute(s) goes to litigation. Additionally, for no extra expense to our customers, with our client's authorization, we will forward our client's file to our network of consumer protection attorneys.

We guarantee and promise honesty, transparency, and dependability.  

On the Phone

Our Mission

Our mission is to utilize the power of The Fair Credit Reporting Act (FCRA), which promotes the accuracy of information retained by credit reporting agencies, to improve your credit along with empowering and educating you with the tools and knowledge to reach the financial milestones you never thought would be reachable.

Meet Our Founder & CEO
Dave Briggs

Prior to Dave getting into credit repair, he was a paralegal and practice manager in a criminal defense and civil litigation law firm. Throughout his career as a paralegal, he earned consistent praise for his attention to detail, organizational abilities, legal research skills, and a strong grasp of case law and litigation management. 

Through Dave’s personal experiences as well as his professional experience as a paralegal, he obtained skills and experience highly relevant to consumer rights, and more particularly, how the credit reporting system wasn’t built for the benefit of the consumer; it was built for the lenders that use it, and because of the complexity of the credit reporting system, there is nothing about it that makes it easy, friendly, or helpful for consumers.  Ultimately, Dave felt compelled to use his skills and knowledge to help others improve their credit along with empowering and educating them with the tools and knowledge to reach their financial goals. 

Today, Dave is the founder of American Credit Consulting and is fortunate to be part of the Credit Repair Pre-Litigation Movement that took stage in 2019, which consists of the Credit Repair Industry’s top professionals and consumer protection attorneys.        

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