American Credit Foundation Inc. was founded in 1999 and is based in Midvale, UT.

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<table class="inline-features-table inline-features-pane inline-features-supported pros-and-cons">
  <tr class="row table-label-row">
     <th class="supported-features">Pros</th>
     <th class="unsupported-features">Cons</th>
  </tr>
  <tr class="row">
    <td class="supported-features">
      <ul>
        {{#if features.pro1.feature_value}}
          <li>{{features.pro1.feature_value}}</li>
        {{/if}}
        {{#if features.pro2.feature_value}}
          <li>{{features.pro2.feature_value}}</li>
        {{/if}}
        {{#if features.pro3.feature_value}}
          <li>{{features.pro3.feature_value}}</li>
        {{/if}}
        {{#if features.pro4.feature_value}}
          <li>{{features.pro4.feature_value}}</li>        
        {{/if}}
 
         
        {{#if features.debt_reduced_fee.feature_value}}
    {{#ifCond features.debt_reduced_fee.feature_value '<' 18}}
        <li>Lower than average fees</li>
    {{/ifCond}}
    {{/if}}
         
         {{#if features.no_monthly_consultancy_fee.feature_value}}
               <li>No monthly consultancy fee</li>
         {{/if}}
        
        {{#ifCond features.debt_owed.feature_value '<' 10000}}
        <li>Low minimum debt</li>
        {{/ifCond}}
    

    
{{#if features.money_back_guarantee.feature_value}}
    <li>Money back guarantee</li>
{{/if}}
    
        
    {{#if features.iapda_member.feature_value}}
            <li>Has IAPDA accredited debt specialists on staff</li>
    {{/if}}
    
    {{#if features.afcc_member.feature_value}}
            <li>AFCC member</li>
    {{/if}}
    
      </ul>        
    </td>   
      
      
      
    <td class="unsupported-features">
      <ul>
        {{#if features.con1.feature_value}}
          <li>{{features.con1.feature_value}}</li>
        {{/if}}
        {{#if features.con2.feature_value}}
          <li>{{features.con2.feature_value}}</li>
        {{/if}}
        {{#if features.con3.feature_value}}
          <li>{{features.con3.feature_value}}</li>
        {{/if}}
        {{#if features.con4.feature_value}}
          <li>{{features.con4.feature_value}}</li>
        {{/if}}
       
{{#unless features.afcc_member.feature_value}}
               <li>Is not an AFCC member</li>
         {{/unless}}
         
{{#unless features.iapda_member.feature_value}}
               <li>Does not have IAPDA accredited debt specialists</li>
         {{/unless}}
         
         
{{#ifCond features.debt_owed.feature_value '>' 10000}}
    <li>High minimum debt balance</li>
    {{/ifCond}}


{{#if features.states_offered.feature_value}}

{{#ifCond features.states_offered.selected_option_count '<' 30}}
<li>Debt relief services only available in {{#if features.states_offered.feature_options.DC}}{{math features.states_offered.selected_option_count "-" 1}} states{{else}} {{features.states_offered.selected_option_count}} states{{/if}}{{/ifCond}}{{/if}}

 {{#unless features.no_monthly_consultancy_fee.feature_value}}
               <li>Charges a monthly consultancy fee</li>
         {{/unless}}
   
   {{#ifCond features.debt_owed.feature_value '>' 0}}
          {{#ifCond features.debt_owed.feature_value '>' 9999}}
            <li>Only considers clients with a minimum debt balance of {{currency features.debt_owed.feature_value}}</li>
          {{/ifCond}}
        {{/ifCond}}    


      </ul>
        
    </td>     
  </tr>
</table>

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Credit counseling is a service designed to help you get your finances in order and improve your credit. It is provided by organizations that employ counselors who are trained in debt management, budgeting, and consumer credit.

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{{#ifCond unsecured_debt_amount '!==' null}} {{#ifCond estimated_credit_score_unsure '==' true}}You specified that you owe {{currency unsecured_debt_amount}} in unsecured debt and reside in {{>states_full_name}}{{else}}You specified that you owe {{currency unsecured_debt_amount}} in unsecured debt with {{>credit_score_text}} credit score and reside in {{>states_full_name}}{{/ifCond}}{{else}}You specified that you owe unsecured debt and reside in {{>states_full_name}}{{/ifCond}}. Credit counseling can help you get your debt and finances under control.

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Debt consolidation firms negotiate settlements with your creditors to reduce your debt and help you get debt free faster.

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A debt consolidation firm may be able to help you negotiate a settlement with your creditors for a lower amount. Debt consolidation firms typically have minimum requirements for unsecured debt, maximum credit scores, and geographic restrictions. We were able to pre-qualify you for a free consultation with one or more debt consolidation firms based on your {{#ifCond unsecured_debt_amount '!==' null}} {{#ifCond estimated_credit_score_unsure '==' true}} unsecured debt amount of {{currency unsecured_debt_amount}} and residency in {{>states_full_name}}. {{else}} unsecured debt amount of {{currency unsecured_debt_amount}}, your {{>credit_score_text}} credit score and residency in {{>states_full_name}}. {{/ifCond}} {{#ifCond estimated_credit_score_unsure '==' true}} residency in {{>states_full_name}}. {{else}} {{/ifCond}} {{else}} {{>credit_score_text}} credit score and residency in {{>states_full_name}}.{{/ifCond}}

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