AMB Credit Consultants Review: A Simple Way to Fix Your Credit

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Updated: 23rd Nov 2020
Written by Drew Cheneler
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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.

About 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 best 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.

Pros:

  • A rating from the BBB
  • Easy to Navigate Online Website
  • Credit Repair Couples Plan
  • Strong Customer Service
  • Proven Results (Previous Customers Praise AMB Credit)
  • Dispute Resolution Team
  • Excellent Credit Educational Resources

Cons:

  • High Fees (It is expensive compared to other companies)
  • Customers Must Purchase Third-Party Credit Monitoring
  • Credit Consultation is Not Free Before Signing Up
  • No Financial Tools to Help You Budget or Save Money

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.

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.

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 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. By law, all credit repair agencies have to offer a three-day refund policy.

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.

Alternatives to AMB Credit Consultants: Who We Like More

While AMB has a lot to offer, there are better options. Here is who we like more.

#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.

Learn 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.

Learn More: Sky Blue Credit Repair

#3. Lexington Law

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

Learn 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 straightforward payment plan, this option is worth considering.

Learn More: The Credit People Review

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.

Is AMB Credit Consultants Safe? Is it Legit?

With an A rating from the Better Business Bureau and favorable customer reviews, AMB is a safe and legit credit repair company.

They have helped thousands of Americans repair their credit and become confident in managing their money moving forward.

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.

More Credit Resources:

Drew Cheneler
Drew Cheneler
Drew is a recognized Credit, Small Business, and Personal Finance Expert. He has been quoted in CNBC, Fox Business News Section, The Huffington Post, Business.com, Moneyunder30, US Chamber of Commerce, and more. He is known for breaking down complex personal finance topics into action-oriented advice, so you can make the most of your hard-earned money.