American Credit credit repair El Segundo — American Credit – Credit Repair Centers is a financial services firm specializing in credit restoration and consultation. According to public materials on americancredit.com, the company has operated since 2003 and describes itself as a referral-driven practice that helps U.S. consumers dispute inaccurate or unverifiable items on credit reports and pursue measurable score improvements. This directory entry covers the El Segundo location at 1140 E Franklin Ave; the firm also lists a Los Angeles headquarters on Wilshire Boulevard.
About American Credit
American Credit positions itself as a people-first credit repair organization rather than a purely automated dispute mill. Public company descriptions state that roughly ninety percent of new clients arrive through referrals from lenders, realtors, and prior customers — a signal that the firm relies on repeat business and word-of-mouth in competitive Southern California credit markets. The company emphasizes guided strategies from credit specialists, a pre-litigation dispute process, and proactive customer service teams that track case progress between bureau response cycles.
On its website, American Credit reports that typical clients see score increases in the range of seventy to one hundred or more points, often within sixty to one hundred twenty days, though individual outcomes depend on starting profile, account mix, and whether negative items are erroneous, outdated, or legitimately owed. The firm states it has assisted thousands of families, including those recovering from bankruptcies, foreclosures, and other major credit events. Free, no-obligation credit consultations are advertised nationally via toll-free lines; the El Segundo listing phone connects to local intake for South Bay and greater Los Angeles inquiries.
Services and practice areas
- Credit report analysis and consultation — initial review of Experian, Equifax, and TransUnion files to identify disputable tradelines, duplicate accounts, and reporting errors.
- Dispute and pre-litigation workflows — structured letter campaigns and escalation paths when creditors or bureaus fail to verify disputed information within statutory windows.
- Credit score improvement planning — guidance on utilization, account age, and mix factors beyond pure dispute work.
- Post-bankruptcy and post-foreclosure recovery — targeted strategies for consumers rebuilding after major derogatory events.
- Ongoing client support — proactive and reactive service departments for status updates and document requests.
Who they serve
American Credit primarily serves individual consumers and households across the United States who need help correcting credit report inaccuracies or accelerating score recovery before applying for mortgages, auto loans, or rental housing. Public materials reference partnerships with lenders and real estate professionals who refer borrowers with thin or damaged credit profiles. The El Segundo address situates this branch within the South Bay corridor, convenient to LAX-area commuters and Los Angeles County residents seeking in-person or phone-based intake. Confirm whether walk-in consultations are available at this address before traveling; many credit repair firms operate by appointment.
Languages and accessibility
Primary client communications on americancredit.com are in English. Spanish-language support was not confirmed on desk review — contact the office directly if bilingual assistance is required. ADA accessibility and parking specifics for 1140 E Franklin Ave were not verified on public sites; call ahead for accommodation details.
Location and contact
- Address: 1140 E Franklin Ave, El Segundo, CA 90245, United States
- Phone: +1 213-523-3385
- Website: americancredit.com
Frequently asked questions
Is American Credit a licensed credit services organization in California?
California regulates credit repair organizations under state consumer protection statutes. Before signing any contract, verify the firm’s registration status, fee structure, and cancellation rights on your agreement and through the California Department of Financial Protection and Innovation. This directory does not confirm licensing status.
How long does credit repair typically take with American Credit?
According to the company’s public materials, many clients observe meaningful score movement within sixty to one hundred twenty days, but timelines vary by bureau response cycles and the complexity of disputed items. No specific outcome is guaranteed.
Does American Credit offer services only in El Segundo?
The firm operates nationally by phone and online intake. The El Segundo listing represents a local contact point; corporate contact information on americancredit.com also lists a Wilshire Boulevard address in Los Angeles.
Last verified (desk review): July 2026 — NAP matched to GeoDirectory listing; services and history from americancredit.com public pages; not an on-site audit.
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