AMB Credit Consultants Review (2023): Price & Results Analyzed

Written by Kim PinnelliUpdated: 6th Feb 2023
Share this article

Disclaimer: This post contains references to products from one or more of our advertisers. We may receive compensation (at no cost to you) when you click on links to those products. Read our Disclaimer Policy for more information.

AMB Credit Consultants is a solution to all your credit problems. From removing negative items to educating you about your credit score, AMB is staffed by a team of professionals who are dedicated to helping you take back your credit.

Is a low credit score holding you back from applying for a loan or a new credit card? What about limiting your employment opportunities? These are just a few issues consumers face with a low credit score.

See how AMB Credit Consultants can help you fix your bad credit and live the financial life you deserve. With a solid reputation, proven results, and a dedicated team of credit experts, AMB Credit Consultants offers a lot to consumers.

What Is AMB Credit Consultants? 

AMB Credit Consultants, LLC is headquartered in Dallas, Texas, and has been in business since 2007.

Founded by Arnita Johnson-Hall, AMB has grown into a full-servicing credit repair company that emphasizes credit education, transparency, and honesty.

Arnita Johnson-Hall knows firsthand the impact a bad credit score has on your life. From becoming a homeowner to owning a car, a low credit score is a burden.

With a firm understanding in your consumer rights and the various credit laws, AMB Credit Consultants knows how to remove inaccurate or negative information from your credit report.

To date, AMB has helped thousands of hard-working consumers successfully repair their credit and reap the benefits of a healthy credit score.

They are fully committed to changing your life for the better. They also appeared on our list of the top credit repair companies; however, they were not ranked #1. 

AMB Credit Consultants Review:

Here is a quick list of the benefits they will provide you and what downsides to look out for.


  • Easy to Navigate Online Website: Finding out prices, contact information, and learning more about AMB Credit Consultants is easy. Their platform is simple to navigate and clean. 
  • Credit Repair Couples Plan: AMB Credit Consultants is one of the few companies that offers a plan designed for couples. Couples pay $198/month, whereas individuals pay $99/Month. 
  • Strong Customer Service: Customers can reach AMB representatives by email or phone. Their office hours are 8:30 AM – 5:00 PM CST. 
  • Proven Results: Previous customers rave about AMB Credit Consultants and the services they provide. A few quotes we read said, “Life Changing” and “AMB is Heaven Sent.” 
  • Dispute Resolution Team: AMB Credit Consultants will help you file disputes with all three credit bureaus. 
  • Excellent Credit Educational Resources: Like other companies, AMB Credit Consultants will give you access to detailed guides and articles that explain the importance of a healthy credit profile. Moreover, they will help you optimize your credit score. 


  • C rating from the BBB: Receiving a C rating from the BBB is not ideal. Credit Saint and Sky Blue Credit are competitors of AMB and they hold A ratings from the BBB. 
  • High Fees (It is expensive compared to other companies): Basic credit repair services for individuals starts at $99/month with a $149 one-time fee. Couples will pay $198/month with a $198 one-time fee. Ouch. 
  • Customers Must Purchase Third-Party Credit Monitoring: If AMB’s monthly fees weren’t enough, they also require you to purchase third-party credit monitoring. This will cost you an additional $20+. 
  • Credit Consultation is Not Free: Unlike other companies, AMB Credit Consultants does not offer a free consultation. So, before you even begin, make sure you know what you are signing up for. 
  • No Financial Tools: Apart from basic credit repair, AMB Credit Consultants will not help you with basic budgeting, saving money, refinancing loans, or rebuilding your credit. They do not offer financial calculators or software products to help you. 

How AMB Credit Consultants Works:

AMB Credit Consultants relies on four keywords that serve as the foundation of how they approach repairing your credit.

#1. Advise.

Before anything happens, AMB Credit Consultants will provide you with a robust credit consultation. During this consultation, they will walk you through the credit repair process, answer your questions, and help you achieve your credit goals.

#2. Audit.

During your credit consultation, AMB will also provide you with a complete credit report audit. They sift through your credit report, line-by-line, identifying negative items that should be challenged.

Additionally, they will piece together a tailored action plan that will help you achieve your credit and financial goals.

#3. Awareness.

Apart from repairing your credit, AMB Credit Consultants focused on equipping you with the best credit and financial resources, so you can make the most of your money. Their end goal is to empower you to live and sustain your new credit lifestyle.

#4. Action.

If you sign up for the Credit Empowerment Program, you get unlimited access to the Dispute Resolution Team. On your behalf, this team will file disputes with all three credit bureaus, protect your consumer rights, and be your voice.

>> More:Check out our Guide on How to Fix Your Credit

What Services Does AMB Credit Consultants Offer?

Unlike other credit repair services, AMB Credit Consultants only offers one straightforward credit repair program. This plan is designed to streamline the repair process.

Additionally, AMB provides you with credit and financial resources, but no software products or budgeting tools.

Ultimately, AMB Credit Consultants will help you challenge and dispute:

It is advised to consider other companies that offer more in-depth credit repair programs, additional features, and better educational materials.

However, if you prefer simplicity, then AMB Credit Consultants is worth considering.

How Much Does AMB Credit Consultants Cost?

They offer two straightforward plans that are designed to help any American dealing with significant credit problems.

  • AMB Credit Empowerment Individual: $99/Month with a $149 one-time Enrollment Fee
  • AMB Credit Empowerment Couple: $198/Month with a $189 one-time Enrollment Fee

Additionally, if you sign up, you are required to purchase monthly credit monitoring from IdentityIQ. This will cost you an additional $24.99/month.

Overall, the price they charge is higher than other credit repair companies that we have reviewed. You can get more for your money if you look elsewhere. We touch on some alternatives later in the article.

Furthermore, if you are not satisfied with AMB, you can cancel within the first three days free of charge. However, other companies tend to offer a 90-day money-back guarantee. By law, all credit repair agencies have to offer a three-day refund policy, so this feature is nothing to cheer about. 

Standout AMB Credit Consultants Features:

Here is what we like about AMB Consultants. These features are essential for you – the consumer – as you do your due diligence and research credit repair companies.

Access to AMB’s Dispute Resolution Team

Some credit repair companies make you file the dispute and do the legwork, but not with AMB. As a customer, AMB Credit Consultants will give you exclusive access to their Dispute Resolution Team.

This team is filled with dedicated credit experts who will hold your hand throughout the entire process. Furthermore, AMB Credit Consultants Dispute Resolution Team is knowledge of consumer credit repair laws and regulations.

A few that come to mind are the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), Fair Accurate Credit Transaction Act (FACTACT), and the Fair Credit Billing Act (FCBA).

These acts are confusing; however, the dispute resolution team leverages these laws to help you potentially remove negative items or inaccurate information from your credit report.

Strong Customer Service

In the credit repair industry, strong customer service is a necessity. While AMB Credit Consultants does not offer 24/7 phone or chat support, they do provide strong customer service.

You can reach AMD by phone, email, or mail. They are open Monday – Friday from 8:30 AM to 5:00 PM (CST).

However, other services offer 24/7 customer service, which is another reason why you should consider hiring another credit repair company.

Straightforward Pricing

While the credit repair services are limited, AMB’s payment plan is straightforward and simple. They charge a one-time enrollment fee and an expensive monthly subscription fee. Furthermore, you also must purchase a third-party credit monitoring service.

With that said, they only have one plan for you to choose from, so you do not have to worry about being up charged for additional services. This simplicity makes AMB Credit Consultants an attractive credit repair agency.

Credit Education Resources

While most credit repair companies offer education-based resources, AMB Credit highlights their commitment to educating you. They routinely publish blog posts and provide other content geared specifically for their customers.

AMB Credit Consultants Review: What Are Previous Customers Saying?

AMB Credit Consultants hold an A rating from the Better Business Bureau (BBB), which is rare in the credit repair industry. This is no small feat and should not go unnoticed.

Furthermore, AMB has received an average rating of 4.9/5 Stars on Google Reviews. Previous customers praise AMB Credit for its ability to repair credit, meet deadlines, and transparency. However, some customers have also complained about a lack of communication.

How Does AMB Credit Consultants Compare to Other Credit Repair Companies? 

We hate to see the sky high prices, minimal services, and C rating from the Better Business Bureau. Here is who we like more and recommend for credit repair. 

#1. Credit Saint

Credit Saint is a clear leader in the credit repair industry. From low fees to a 90-day refund policy, and an A rating from the Better Business Bureau, they are the best credit repair company around. Credit Saint brings forth years of experience to the table and proven results.

Offering three packages (Clean Slate, Credit Remodel, & Credit Polish), Credit Saint will send unlimited challenges to all three credit bureaus.

Additionally, Credit Saint offers creditor interventions, debt validation, goodwill letters, Experian Credit Monitoring, a helpful credit score tracker, and inquiry targeting.

Credit Saint brings a personalized and tailored experience to the credit repair process.

>> More:Credit Saint Review

#2. Sky Blue Credit

Sky Blue offers a 90-day condition-free money-back guarantee, fast results, and strong customer service. When comparing Sky Blue Credit to AMB Credit Consultants, it is a night and day difference.

Sky Blue Credit offers one credit repair package that is affordable, efficient, and straightforward. On your behalf, they will file disputes with all three credit bureaus, monitor your credit, and will teach you how to responsibly build your credit. 

>> More:Sky Blue Credit Repair

#3. Lexington Law

As the oldest credit repair firm in the United States, Lexington Law has helped thousands of American’s repair their credit and restore their financial life.

Lexington Law will help you file disputes with all three credit bureaus, and will also escalate disputes that are taking longer than usual. Additionally, they also provide you with complimentary credit monitoring depending on what package you purchase.

>> More:Lexington Law Review

#4. The Credit People

This company can help you remove negative items, file disputes, and restore your credit. With years of experience and a straightforward payment plan, this option is worth considering.

However, do not expect the bells and whistles like Credit Saint and Sky Blue Credit provide. 

Make sure to review multiple credit repair companies. Each offer different levels of services, so make sure to pick one that aligns with your financial and credit goals.

>> More:The Credit People Review

AMB Credit Consultants FAQs 

Is AMB Credit Consultants Safe?

Yes, AMB Credit Consultants is a safe company. However, AMB Credit Consultants has an C rating from the Better Business Bureau. There are cheaper and better alternatives out there. 

Is AMB Credit Consultants Legit? 

AMB Credit Consultants is a legit credit repair company, but they are not the best. At least they hold a rating from the Better Business Bureau, but the sky high prices and lack of services offered are worth noting. 

>> Next Steps: Explore the Best Credit Repair Services

Is AMB Credit Consultants Worth It? 

All in all, AMB Credit Consultants is not worth the price. You can find another company that offers more services, free credit monitoring, and a 90-day money-back guarantee. 

Bottom Line: AMB Credit Consultants Review

AMB Credit Consultants offers a lot; however, there are better options. We advise you to look elsewhere, but if you are content with their straightforward payment plan and personalized approach, then AMB is a great credit repair company to work with.

Partnering with a credit repair company is the first step you need to take to improve your credit score.


To review AMB Credit Consultants we analyzed the company’s industry reputation, fees, results, transparency, services offered, educational resources, and online experience. These metrics are important for consumers to consider and understand, so they can make an informed purchasing decision. Read our editorial guidelines and rating methodologies for credit repair companies to better understand the integrity and honesty of our reviews. 

More Credit Resources:

Kim Pinnelli
Kim Pinnelli

Kim Pinnelli is a Senior Writer, Editor, & Product Analyst with a Bachelor’s Degree in Finance from the University of Illinois at Chicago. She has been a professional financial writer for over 15 years, and has appeared in a myriad of industry leading financial media outlets. Leveraging her personal experience, Kim is committed to helping people take charge of their personal finances and make simple financial decisions.