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The Snake River Region

This Business is not BBB accredited

Advanced Credit Solutions

Phone: (877) 461-9443 View Additional Phone Numbers 1003 7th Street South, Nampa, ID 83651 http://www.idahoacs.com

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Description

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On 10/23/2014 this business's accreditation in the BBB was revoked by the BBB's Board of Directors due to its failure to adhere to the BBB requirement that Accredited Businesses meet and abide by the following standards: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 16 factors. Get the details about the factors considered.

Factors that lowered the rating for Advanced Credit Solutions include:

  • 1 complaint filed against business that was not resolved
  • 1 serious complaint filed against business
  • BBB Accreditation was revoked because the business failed to honor its accreditation agreement with BBB.

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.
  • Response to 1 complaint(s) filed against business.
  • BBB has sufficient background information on this business.

Industry Ratings Comparison | Chart


Customer Complaints Summary Read complaint details

1 complaint closed with BBB in last 3 years | 1 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

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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

CREDIT REPAIR SERVICES - NO ADVANCE FEE CREDIT & DEBT COUNSELING

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 www.ftc.gov for free information.


Additional Locations

  • THIS LOCATION IS NOT BBB ACCREDITED

    1003 7th Street South

    Nampa, ID 83651 (208) 461-9443 (877) 461-9443

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Types of Complaints Handled by BBB

BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

  • Advertising or Sales
  • Billing or Collection
  • Problems with Products or Services
  • Delivery
  • Guarantee or Warranty

We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.

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BBB Complaint Process

Your complaint will be forwarded to the business within two business days. The business will be asked to respond within 14 days, and if a response is not received, a second request will be made. You will be notified of the business's response when we receive it (or notified that we received no response). Complaints are usually closed within 30 business days.

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What government actions does BBB report on?

BBB reports on known significant government actions involving business' marketplace conduct.

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Additional Phone Numbers

  • (208) 461-9443(Phone)
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Complaint Detail(s)

9/22/2014 Problems with Product/Service | Complaint Details Unavailable