This Business is not BBB accredited
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This company assists consumers in disputing negative information on the consumer's credit report with the three major credit bureaus.
On 10/23/2014 this business's accreditation in the BBB was revoked by the BBB's Board of Directors due to its failure to adhere to the BBB requirement that Accredited Businesses meet and abide by the following standards: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:
- Resolving the complaint directly with the complainant and notifying BBB, or
- 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- BBB Accreditation was revoked because the business failed to honor its accreditation agreement with BBB.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
Customer Complaints Summary Read complaint details
|Complaint Type||Total Closed Complaints|
|Problems with Product/Service||1|
|Total Closed Complaints||1|
Customer Reviews Summary Read customer reviews
|Customer Experience||Total Customer Reviews|
|Total Customer Reviews||0|
Type of Entity
Limited Liability Company (LLC)
Business ManagementMr. Lucio "Angel" Granados, Owner
CREDIT REPAIR SERVICES - NO ADVANCE FEE CREDIT & DEBT COUNSELING
Alternate Business NamesAR & Associates, LLC
(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.
THIS LOCATION IS NOT BBB ACCREDITED
1003 7th Street South
Nampa, ID 83651 (208) 461-9443 (877) 461-9443 Directions
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Additional Phone Numbers
- (208) 461-9443(Phone)
Complaint Trends - Last 3 Years
Customer Review Trends
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
Star Rating scale
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.
|9/22/2014||Problems with Product/Service | Complaint Details Unavailable|