BBB Business Review

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This business is not BBB accredited.

Advanced Credit Solutions

Phone: (877) 461-9443 View Additional Phone Numbers 1003 7th Street South, Nampa, ID 83651

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This company assists consumers in disputing negative information on the consumer's credit report with the three major credit bureaus.

BBB Accreditation

On 10/23/2014 this business's accreditation in the BBB was revoked by the BBB's Board of Directors due to its failure to adhere to the BBB requirement that Accredited Businesses meet and abide by the following standards:

  • 6A. Promptly respond to all complaints forwarded by BBB by:
    1. Resolving the complaint directly with the complainant and notifying BBB, or
    2. Providing BBB with a response that BBB determines:
      • is professional,
      • addresses all of the issues raised by the complainant,
      • includes appropriate evidence and documents supporting the business' position, and
      • explains why any relief sought by the complainant cannot or should not be granted.
  • 6B. Make a good faith effort to resolve disputes, which includes mediation if requested by BBB. Other dispute resolution options, including arbitration, may be recommended by BBB when other efforts to resolve a dispute have failed. BBB may consider a business' willingness to participate in recommended dispute resolution options in determining compliance with these standards.

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that lowered the rating for Advanced Credit Solutions include:

  • 1 complaint(s) filed against business that were not resolved

Factors that raised the rating for Advanced Credit Solutions include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size

Industry Ratings Comparison | Chart

Customer Complaints Summary Read complaint details

1 complaint closed with BBB in last 3 years | 0 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 0
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 1
Total Closed Complaints 1

Customer Reviews Summary Read customer reviews

0 Customer Reviews on Advanced Credit Solutions
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: January 03, 2008 Business started: 10/01/2007 in ID
Type of Entity

Limited Liability Company (LLC)

Business Management
Mr. Lucio "Angel" Granados, Owner
Contact Information
Principal: Mr. Lucio "Angel" Granados, Owner
Business Category


Alternate Business Names
AR & Associates, LLC
Industry Tips

Credit Repair

(Note:  These tips pertain to the industry cited above and do not necessarily track our experience with the company in whose report they appear.  In particular, industry complaints referenced below are typical of the industry as a whole, but not necessarily every company in the industry.)  
The Fair Credit Reporting Act gives you the right to obtain a copy of your credit report.  You also have the right to dispute whether any specific entries on your report should be there.  The credit bureau must then investigate and remove inappropriate entries.  

Credit repair companies offer to assist you in verifying the entries on your credit report.  No one can help you remove an item just because it is negative.  Information which is accurate and verified will usually remain on your credit report for seven years, or ten years in the case of bankruptcy.  You do have a right to put a brief statement in your credit report explaining particular entries in some circumstances.  

According to federal law, credit repair companies may not charge an up front fee for their services.  Also, you have the right to cancel a contract with a credit repair organization within three business days from the date the contract was signed.  

The Federal Trade Commission has information for you on how to improve your credit report and how to deal with credit repair companies.  Call toll-free 1-877-382-4357 for assistance.  You can also go to the Commission’s Website at for free information.

Industry Ratings Comparison Chart X
Same Relative Size   All Businesses
The information in the chart below represents an industry ratings comparison of businesses which are of the same relative size or for all businesses (see toggle). This is based on BBB's database of businesses located in Snake River Region. Businesses may engage in more than one type of business.
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BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.