AMB Credit Consultants Review

Credit repair that focuses on empowerment

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AMB Credit Consultants
AMB Credit Consultants
overall rating

Our Take

AMB Credit Consultants tries to distance itself from the credit repair industry, but the services offered don’t set it apart from the rest. The paid educational resources included with AMB’s memberships are offered for free by many competing organizations.

  • Pros & Cons
  • Key Takeaways
  • Company Overview
Pros & Cons
  • Unlimited disputes included

  • No consumer complaints with the CFPB

  • Offers online portal

  • Discount for couples

  • High fees

  • No free consultation

  • Single service option

  • Requires credit monitoring for an additional fee

  • Few online resources

Key Takeaways
  • AMB Credit Consultants is a credit repair company that offers consulting, auditing, education, and dispute services.
  • Subscriptions prices for individuals include a one-time enrollment fee of $149 and $99 per month of service.
  • Customers are required to purchase credit monitoring from a third party for an additional fee.
Company Overview

AMB Credit Consultants is a credit repair firm based in Dallas, Texas. The company was founded in 2007 by Arnita Johnson-Hall, an entrepreneur who struggled with her own credit score and was denied many financial opportunities as a result. Johnson-Hall eventually learned valuable money management skills that helped get her finances back on track. This knowledge is what she used to build AMB. The company now offers credit consultation, education, and repair services to customers across the United States over the phone and through its website.

  • Year Founded 2007
  • Type of Service Credit disputes
  • Fee Schedule Upfront and monthly
  • Monitoring Options Required, additional fee
  • Customer Service Phone, email
  • Official Website

Personal finance experts often say that the best credit repair services are based on the core principle of education. This is the approach that AMB Credit Consultants takes with its credit empowerment program. Customers who enroll in the company’s membership receive training in how to better manage their credit and their finances for a better long-term financial future.

But the company claims that this central focus on education means it doesn’t truly belong to the credit repair industry. Can this really be the case? We investigated AMB Credit Consultants’ services, pricing, reputation, and more to see if it really belongs in an industry of its own.

Pros Explained

  • Unlimited disputes included: AMB Credit Consultants doesn’t place a limit on the number of disputes it will file on your behalf in a single billing period.
  • No consumer complaints: There are no complaints registered against the company with the Consumer Financial Protection Bureau (CFPB).
  • Offers online portal: Customers can track the status of their credit repair case by logging in online.
  • Discount for couples: Couples who sign up together receive about 1/3 off the price of the combined enrollment fee for two people.

Cons Explained

  • High fees: At $149 for enrollment and $99 per month, AMB Credit Consultants’ fees are high.
  • No free consultation: Unlike many competitors, AMB asks for your credit card information before you schedule a consultation.
  • Single service option: Customers only have one service package choice.
  • Requires credit monitoring for an additional fee: AMB Credit Consultants requires that all customers purchase credit monitoring from their partner for an additional $24.99 per month.
  • Few online resources: The AMB Credit Consultants website contains fairly little information and no free educational resources.

Types of Services

AMB Credit Consultants offers a single credit repair package that encompasses four main services, generally completed in chronological order as follows.

Credit Consultation

Credit repair services from AMB begin with a credit consultation. The session takes place over the phone with a consultant who reviews your credit report at a high level and discusses your financial goals. The consultant will then suggest a course of action to address your credit issues. 

Initial consultations with credit repair companies are often free, but AMB asks you to give your credit card information before scheduling the call. Don’t forget that the Credit Repair Organizations Act entitles you to a full refund if you cancel your contract within three business days.

Credit Report Audit

Following the initial consultation, a credit auditor will perform a line-by-line review of your credit report to search for potential discrepancies. There are ultimately two goals of the credit report audit: to look for items to dispute with the credit bureaus and identify which areas are most impacting your credit score.

Credit Empowerment Program

The bulk of AMB’s credit repair service is its credit empowerment program, which is what customers pay an ongoing monthly fee to access. The program focuses on providing financial education and skill-building to help you reach and sustain a healthy credit score.

Dispute Resolution

While enrolled in the credit empowerment program, customers get unlimited access to the AMB dispute resolution team. This team is in charge of communicating with the credit bureaus on your behalf to challenge any items you believe are inaccurate. You can also ask the dispute resolution team for help contacting creditors and collections agencies if you believe the issue is on their end.

Optional Add-Ons

Since AMB Credit Consultants only offers customers one service package, there are no optional add-ons to customize your service. However, there is one add-on that is entirely mandatory—only it isn’t included in the listed price. Credit monitoring is required for anyone who wants to participate in the program. AMB asks all customers to purchase this service from their credit monitoring partner, IdentityIQ, before scheduling their initial consultation.

Customer Service

AMB Credit Consultants offers fairly traditional customer service channels via phone and email. Phones are open weekdays from 8:30 a.m. until 5:30 p.m. CST. The company does have an online portal, but only for billing and payment purposes. More advanced technology, such as live chat or a mobile app, isn’t available.

Company Reputation

Overall, AMB Credit Consultants gets mostly positive reviews from customers. The company is not accredited on BBB and has a C rating, but it has a high consumer rating, with a 4.43-star average review. On Google, scores are even more positive at 4.9 stars.

AMB has no history of complaints filed with the Consumer Financial Protection Bureau (CFPB). The CFPB keeps records of reported infractions such as deceptive marketing and excessive fees although companies may opt out of the CFPB process.

If you have a complaint about the services of a credit repair company, you can file a complaint with the Federal Trade Commission (FTC) or call 877-FTC-HELP.


AMB Credit Consultants charges customers an initial enrollment fee in addition to ongoing monthly fees. Individuals must pay $149 to sign up, although couples who enroll together will only pay $198 jointly. Continued services cost $99 per month per individual.

AMB asks for payment information before scheduling an initial consultation, although your credit card won’t be charged until after the consultation occurs in compliance with the Credit Repair Organizations Act.

Every customer is also required to enroll in credit monitoring through IdentityIQ, their preferred credit monitoring partner. The fee for this service is $24.99 per month after a $1.00 seven-day trial. Customers must obtain the subscription prior to scheduling their initial consultation with AMB.

The additional cost of credit monitoring is required, but not included in AMB Credit Consultants’ fees. Keep this extra $25 per month in mind when budgeting for AMB’s services.

The Competition: AMB Credit Consultants vs. The Credit Guru

AMB Credit Consultants' competitor The Credit Guru has been in business for longer than AMB but offers an overall comparable service. Both companies sell their entry-level plans at the same enrollment price, but AMB's monthly fee is $99, $10 more than The Credit Guru's monthly fee which is $89 a month. The Credit Guru also offers a more premium package with significantly higher enrollment and monthly fees.

If you look at the fine print, many of the services included in The Credit Guru’s higher tier of service are included in AMB’s credit repair package, such as personalized service from a consultant. There’s no use in paying more per month for this; AMB Credit Consultants is easily the better deal here.

  AMB Credit Consultants The Credit Guru
Year Founded 2007 1993
Services Offered Credit repair Credit repair
Customer Service Touchpoints Phone, email Phone, email
Upfront Fee $149.00 $149.95 to $199.95
Monthly Fee $99.00 $89.00 to $129.00

According to AMB Credit Consultants, the company sees itself not as a credit repair company, but as a credit empowerment program that happens to offer dispute services. Yet the company’s services don’t differ from what any other credit repair service offers. What’s more, AMB charges fairly high prices for its credit repair package and fails to offer any sort of cutting-edge technology or unique service to justify these higher rates.

Ultimately, AMB Credit Consultants has a reputation as a respectable and trustworthy company, but their services may be slightly overvalued.

How We Review Credit Repair Companies

Choosing the right credit repair company is far from an easy task, especially if you feel that your credit score is on the line. We review these companies with the utmost scrutiny to make sure you only entrust your credit health to an organization that has your best intentions in mind. Our analysis includes a high-level look at the company’s stability and reputation, using our own research and data from third-party organizations like the Consumer Financial Protection Bureau. We then break down the company’s services, pricing, and resources, comparing them to industry standards to gauge value. Finally, we comb through the fine print of service contracts to rule out any red flags that might indicate potential pitfalls.

Article Sources

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  1. Better Business Bureau. "AMB Credit Consultants, LLC." Accessed May 27, 2021.

  2. Google Reviews. "AMB Credit Consultants." Accessed May 27, 2021.