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Are you swimming in debt? Drowning in minimum payments? Americor is a company that offers debt consolidation loans to help ease the burden. But is Americor legit? Or just another scam? In this Americor Review, we will give you the tools so you can decide for yourself.

Americor has been around for a while and has helped many people free themselves from debt. However, there have also been complaints about the company multiple times. We’ll take a look at both sides of the narrative and let you decide for yourself whether Americor is a scam or not.

Some people say that Americor uses bait and switch tactics, promising something but then only delivering part of what was promised. This can be frustrating for consumers who end up in more debt than they were expecting.

There are also a lot of negative reviews about Americor online. Some people say that the company is a scam because they didn’t receive the help they were promised. Others have said that the customer service is terrible and it’s almost impossible to get in touch with someone when you need help.

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What Do We Think About Americor?

Americor is a company that provides debt relief solutions. While we believe that the company is legitimate, there are also some negative aspects to consider before using its services. If you’re thinking about consolidating your debt with Americor, we recommend doing your research and reading reviews from multiple sources before making a decision. Ultimately, the choice of whether or not to use Americor should be based on what will work best for your individual situation.

Americor: Analyzing the Pros And Cons

What Are The Pros?

Americor is a leading provider of debt settlement & relief solutions, and it can also offer a personal loan. With over 12 years of experience, Americor has helped thousands of people secure their debt and achieve financial freedom. Based in Irvine, California, Americor is accredited by the Better Business Bureau (BBB) and has an A+ rating and an A rating on Angie’s List.

Reviewing The Cons?

Some customers have complained about high-interest rates and fees charged upfront. Additionally, the company is not available in all states. Another issue that some customers have faced is difficulty getting in touch with customer service. Additionally, some people have found the sales representatives to be aggressive.

What Exactly Is Americor?

Debt settlement & relief services can be a great help for those struggling to pay off unsecured debts. However, it’s important to do hard work & research before selecting a company to work with. Some companies, like Americor, have been accused of using bait and switch tactics. This means that they lure customers in with the promise of helping them secure theirdebt, but then switch to a different, more expensive service that doesn’t actually help the customer reduce their debt.

If you’re considering using Americor for debt settlement & relief options, be sure to read up on reviews and complaints first. There are many other reputable debt settlement companies out there that can offer you effective debt settlement & relief services and it wouldn’t hurt you to compare debt consolidation programs.

How Does Americor Actually Work?

Debt settlement companies are always a risky proposition, so it’s important to do your research before signing up for any debt relief program. That being said, let’s take a look at how Americor works.

Customers sign up for the program and agree to make a monthly payment into a credit account. Then, Americor uses that money to negotiate with creditors on behalf of the customer, in an attempt to get them to lower the monthly payments or interest rates. If successful, they will take a percentage of the savings as a fee.

There are mixed reviews online, with some people saying they’ve been helped by the debt resolution program and others saying they haven’t.

Types Of Loans Offered By Americor

There are many different types of debt consolidation loans available, check out Pacific Debt Relief vs Freedom Debt Relief, so it’s important to compare your options and select the one that best suits your needs. Beware of any companies that promise to “eliminate” your unsecured debt, as this is usually a scam. You should also avoid companies that require you to give them access to your bank account or credit cards so they can make monthly payments to your creditors on your behalf – these companies may end up stealing your money instead of paying your debts.

If done carefully, consolidating your debts can be a helpful way to get back on track financially.

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Debt Enrollment With Americor

If you’re looking for a way to get out of debt, you might be wondering if Americor can help. The amount of debt that Americor can help you with depends on a few factors, including the total amount of debt you have and your financial situation.

Americor is a debt relief company that offers various services to assist people in freeing their debt. One service they offer is called debt consolidation. This involves a payment plan that combines all of your debts into one monthly payment, which can save money on interest and fees, and make it easier to manage your overall debt.

To qualify for debt consolidation, you’ll need to have at least $15,000 in unsecured debt. This includes credit card debt, medical bills, personal loans, loans for debt consolidation, and more. If you have less than $15,000 in debt, you can still enroll in a debt settlement company program.

Not sure which option is right for you? Americor offers a free consultation to help you decide. During the consultation, a certified credit counselor will review your finances and help you choose the best option for your situation.

If you believe you’ve been scammed, please contact the Federal Trade Commission (FTC) at or file a complaint with your state’s attorney general’s office. You can also report scams to the Better Business Bureau (BBB) at By taking these steps, you can help protect yourself and others from becoming victims of scams.

Americor And Your Credit Score

There is no easy answer when it comes to determining how using a debt relief service will affect your credit score. While such services may be able to provide some financial assistance, there are a number of factors that need to be considered before enrolling.

For starters, it’s important to remember that these companies are in business to make money. As such, they may charge high level fees or interest rates. This can add up over time and make it difficult to get out of enrolled debt.

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In addition, using a debt relief service usually requires giving up some control over your finances. You may have to give them access to your bank account, credit accounts or cards, which can be a risky proposition. If they mismanage your money or make poor decisions, it could have a severe negative impact on your credit score. It is a recommended to have a credit report often or periodically so you can keep track of the progress on your debt, specially if this is your first time enrolling on a debt relief service.

Finally, any type of debt relief will likely have a negative effect on your credit score in the short term.

This is something that needs to be taken into consideration before making a decision about enrolling in such a program.

Using Americor

Creating an account is easy and only takes a few minutes. Once you’ve entered some basic information about yourself and your financial situation, Americor will give you a list of options based on your specific needs. A sales representative will then assist you in choosing the right option for you.

Once you’ve chosen the best option for your needs, all you need to do is follow the instructions on the website and make your payments. That’s it! You’ll be on your way to becoming debt-free in no time.

Canceling Americor

Canceling your Americor program enrollment is not a simple process. You cannot just call customer service and say that you want to cancel. Instead, you have to send a written request to their customer service department.

You may also be charged a cancellation fee, which can be up to $495. So it is something you should consider carefully before doing.

Once you have canceled your program, Americor will no longer be responsible for negotiating with your creditors on your behalf. You will be on your own again when it comes to dealing with your debt problems.

Americor’s Affiliations

Credit9, Credit 9 Lending, and Apply Credit9 are all third party companies affiliates of Americor, a debt relief company. Though there have been some scam alerts issued against Americor, debt relief companies can be a great option for those struggling with debt. However, it is crucial to select a reputable company with your best interests in mind.

Americor does not have any international association or is linked to be associated with any credit card companies.

BBB Reviews For Americor

Americor may be a debt relief company, but that hasn’t stopped the Better Business Bureau (BBB) from receiving 157 complaints about them in the last three years. 46 of those complaints were closed in just the last 12 months.

Many of these complaints allege that Americor may be a scam. Some customer reviews have claimed that they are not able to deliver on their promises, and have even been harassed by Americor’s collection calls multiple times.

This isn’t our opinion: Here are some customer reviews from the BBB website:

Paul A 04/04/2022

I guess I will start this out by saying, buyer beware. This company is in the habit of not telling you everything upfront with you. I was never told that the reduction in amounts owed would result in me paying to tax on all of those amounts. They convent leave things out of the conversation with you and then tell you to go ask a tax preparer.

They tell you that your credit score will take a little bit of a hit, well mine went down over 150 points and now there is a chance that I will have to come up with thousands of dollars to pay for the taxes on what they negotiated. Make sure you have them explain everything in the contract. Every letter. This company will not explain everything to you. They will miss leading you. Beware. I would leave zero starts but you have to indicate at leave 1

Alison D 03/28/2022

My husband has had to deal with lawyers all by himself because the company did not do what they said they would do

Jillian F 03/21/2022

Signed up, followed instructions and sent out do not contact letters, stopped direct payments, etc. The professional debt arbitrators just notified me that they can’t work with one of my creditors so I no longer qualify. Why was that not determined before I messed up my relationship with my creditors? I was not behind on ANYTHING!!!!!

Complaint Type: Advertising/Sales Issues 03/14/2022

I was hospitalized in October of 2021 and missed two payments. There were adequate funds in the account to make payments to the creditors and I just had to make up the balance. I called on countless occasions and set up payments and had funds available in the bank account.

Unfortunately, when I changed my bank account they never changed the bank name. Even though funds were available they were not withdrawn. As I kept in touch to figure out the missed payments, not once did that get brought up that the payments were not being withdrawn. I was under the impression everything was back on track until they canceled my account after only two payments remaining and I feel they have stolen nearly $13,000 from me.

I called back within a few weeks and spoke to ********* and made ALL the necessary payments. She said that I would be able to reinstate my plans. Now they are trying to settle again at the original balances completely ripping me off. Their actions prove they are just about collecting their fee and not helping the customer. They recently contacted me on 3/9/22 and said. “We heard you wanted to cancel your account.”

Basically trying to push me out the door, when I explained the situation they said we will call you back in 45 minutes. Still no answer. I have included screenshots of payments as well as our email chain. The email chain asks them to keep making payments to the creditors and it was just ignored, forcing my settlements to go into default. What they did was grossly negligent and borderline criminal. I will also be filing a fraud report with the *** due to their negligence.

Conclusion: Is Americor Worthy Of Your Trust Or Is It another scam?

There are a lot of debt relief companies out there, and it can be hard to know which ones are legitimate. If you’re thinking about using Americor to consolidate your credit card debt, you may be wondering if the company is legitimate.

Americor Review
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Frequently Asked Questions

Will Americor Have Access To My Private Financial Information?

Yes. While Americor cannot divulge your personal information for profit or gain to any third party organization, they do require some financial information for their data integration on your profile.

How Difficult Is It To Apply For A Personal Loan?

Although their service is not available in all of the states, it is not difficult to apply. You can do it online wether you are in California or Washington State.

Can You Set Up A Trust Account With Americor?

Since Americor does not become the owner of your assets, a trust account is not available to set up with Americor.

Does Americor Have A Client Portal?

Yes, Americor does have a client portal.

Americor Review Conclusion:

Americor is a debt relief company that has been in business since 2006. The company offers debt consolidation and debt settlement company services. Americor is accredited by the Better Business Bureau (BBB) and has an A+ rating with the organization. It’s also affiliated with the American Fair Credit Council.

There have been over 200 complaints filed against Americor with the BBB in the last three years. However, it’s important to note that the BBB only counts complaints that they deem to be “resolved.” The vast majority of complaints against Americor relate to billing and collection issues.

So, what does all this mean?

From what we can see, Americor is a legitimate debt relief company with a solid debt settlement program that has been in business for over 10 years. Although there have been complaints filed against them several times, it seems that most of these are related to billing and collection issues, not that much about your own debts & personal loans.

If you’re seeking a debt free life, to get rid of unsecured debt and considering using Americor for debt settlement services, make sure to do your research first. There are many companies out there that offer debt consolidation and settlement services, so you want to be sure that Americor is the right fit for you.

Have you used Americor‘s Debt Relief services? We want to hear about your debt resolution experience!

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Average rating:  
 2 reviews
 by Karen

Total scam gave them so much money and didn't solve my case, not worthy!

 by Jane S.
Not happy with Americor

not happy with Americor

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