Keep Credit Cool. Build Credit Strong.
Empowering you with real solutions, real guidance, and real results.
Services
Our credit repair services go far beyond simple disputes. We take a holistic, education-focused approach designed to help you rebuild smarter, not harder. From repairing your credit to teaching you the tools to manage it responsibly, we guide you through every step. Our goal is to help you not only fix your credit today but build long-term financial stability that supports your goals for years to come.
Credit Repair & Dispute Resolution
We challenge inaccurate, outdated, and unverifiable items on your credit reports to help restore your score the right way.
Budget Planning & Debt Strategy
We help you create a practical, personalized budget and build debt payoff strategies that actually work. No judgment — just real support and a clear path forward.
Credit-Building Guidance
From secured credit cards to credit-builder loans, we show you how to use credit-building tools wisely to help pave a clear path forward.
About Us
At A & C Capital Services, we believe credit repair should be a one-time step — not a lifelong subscription. We help you rebuild your credit, understand the tools to maintain it, and stay strong on your own. As a couple with finance degrees and hands-on experience in accounting and bookkeeping, we’ve seen firsthand how confusing and overwhelming credit can be for the everyday person.
We grew up taught the value of hard work, but not necessarily how to work smart with money. Watching loved ones struggle with debt, stress, and uncertainty inspired us to build something different. That’s how A & C Capital Services was born: to help individuals and families rebuild credit with confidence and learn financial habits that last a lifetime.
We believe cash is king, but credit is power — and when you understand how to use both, you transform your future.
What Sets Us Apart
Unlike large agencies, we are real people who care deeply about your financial future. You’re not just another file or ticket number — you’re someone with goals, challenges, and a story that matters. Our background in finance, accounting, and consumer credit gives us the expertise to repair your credit correctly, while our personal approach ensures you feel supported every step of the way. We offer holistic financial guidance, not just credit disputes, empowering you with the knowledge and tools needed to stay on track long after your credit is repaired.
Educational Credit Examples
The following examples are hypothetical and do not represent real clients or guaranteed results. Individual outcomes vary.
Inaccurate Late Payments Corrected
A consumer had several inaccurate late payments reporting after a period of financial hardship.
After submitting disputes with proper documentation, some of the inaccurate items were corrected by the credit bureaus.
This improved the accuracy of the consumer’s credit report.
Outdated Collection Accounts Removed
A consumer had multiple collection accounts that were past the legal reporting period.
Through a review of the report, the outdated items were identified and formally challenged.
Some of the accounts were removed for being no longer eligible to appear on the report.
Incorrect Account Disputed
A consumer discovered an unfamiliar account on their credit report.
After verifying the account did not belong to them, a dispute was submitted.
The credit bureau corrected the error, helping strengthen the overall accuracy of the report.
Personal Information Updated
A consumer’s report showed outdated or inconsistent personal information such as old addresses and misspelled name variations.
A request was sent to update the inaccurate information, helping ensure future reporting is more consistent and accurate.
FTC Compliance Note
A&C Capital Services does not guarantee specific credit outcomes or score increases.
All scenarios above are hypothetical and for educational use only.
Ready to take back control of your credit and your future?
Reach out anytime — we’re available 24/7/365.
Phone: 210-906-5409
Hours: Monday – Sunday, 24/7 (Central Time)
Text or DM us now to start rebuilding your credit with confidence.