What Ace Credit Consulting does

Ace Credit Consulting is a privately held credit repair consultancy based in Midland, Texas, operating with 1-10 employees and serving US consumers whose credit scores are below typical mortgage thresholds. Its core service is credit education and document preparation under the Fair Credit Reporting Act (FCRA): case analysts review client credit profiles, prepare customized dispute letters, and submit correspondence to credit bureaus and creditors on the client's behalf, with progress tracked through a secure 24/7 client login portal at secureclientaccess.com. The company claims average client outcomes of an 80-point credit score increase over a 180-day term, a 93% rate of 10+ point gains within 35 days, and removal of 70% of negative items on average.

The business model is a month-to-month subscription billed monthly with no long-term contracts and a 7-day written cancellation notice. Two ancillary programs extend the offering: a Partner Program that recruits mortgage lenders, real estate agents, tax professionals, attorneys, and auto dealers to refer credit-challenged clients (with a partner-visible client tracking portal), and the MAP-Mortgage Assistance Program that refers clients who have reached credit goals to licensed realtors and mortgage professionals. Distribution is hybrid: direct-to-consumer via phone, email, website, SMS, and a content blog, paired with a referral channel of named mortgage and real estate partners in the Texas market. No external funding, patents, trademarks, certifications, or AI/ML capabilities are disclosed.

Name

Ace Credit Consulting

Legal name

Ace Credit Consulting

Website

https://acecreditconsulting.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Ace Credit Consulting is a US-based credit repair consultancy that prepares FCRA dispute letters and provides credit education for consumers with poor credit, billing month-to-month and sourcing clients via direct channels and a network of mortgage and real estate referral partners.

Ownership category

akta.pro rank

Product category

Credit Repair Services

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Repair & Credit Score Advisory (FSAEAFAD)

akta.pro secondary industry

Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)

Keywords

• Credit repair services
• Credit education consulting
• Consumer credit disputes
• Credit score improvement
• FCRA dispute preparation

Headquarters

HQ city

Midland

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Others

Revenue model

1. Credit Education and Document Preparation Services: Monthly subscription-based service with month-to-month billing. No long binding contracts. Fees are reasonable and positioned as less than attorney fees. Clients pay until credit improvement goals are achieved.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels6 records

Core offering

Ace Credit Consulting provides Credit Education & Document Preparation Services that help consumers dispute inaccurate, erroneous, false, or obsolete information on their credit reports. Services include personalized dispute options, custom dispute letters submitted on behalf of clients to credit bureaus, credit education, and ongoing case management through a 24/7 Client Login Portal, billed on a month-to-month subscription basis.

Product overview

Ace Credit Consulting offers a single unified service focused on credit education and document preparation for credit repair. The core product is Credit Education & Document Preparation Services, which includes personalized credit disputes, custom dispute letters, and ongoing case management via a 24/7 Client Login Portal. The company also offers two supplementary programs: the Partner Program for mortgage and real estate professionals who refer clients, and the MAP-Mortgage Assistance Program that connects clients to realtors and mortgage professionals after they reach their credit goals.

Differentiator

Problem solved

Functional benefit

Products and services

• Credit Education & Document Preparation Services Primary service that helps consumers dispute inaccurate, erroneous, false, or obsolete information on their credit reports. Includes personalized dispute options, custom dispute letters submitted on behalf of clients, credit education, and ongoing case management via the Client Login Portal. Billed as a month-to-month subscription.
• Partner Program Referral and partnership program enabling mortgage professionals, real estate agents, tax professionals, attorneys, and auto dealers to refer credit-challenged clients. Partners access the Client Login Portal to track referred client progress and are featured in the client experience.
• MAP-Mortgage Assistance Program Referral service that connects clients who have reached their credit goals with licensed and qualified realtors and mortgage professionals, facilitating home purchases or refinancing after credit improvement.

Quantifiable outcome

• 93% of clients see credit score increase of 10+ points in first 35 days
• +4 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Joe B. (Branch Manager - Local Mortgage Company)coreStrategic or Co-development PartnerBranch manager at local mortgage company with 20 years experience. Has been a partner for 5 years, referring clients with poor credit for repair. Together they've helped clients close over $700,000 in mortgages. Success stories include couples improving from 500s to high 600s in 4 months.
• Whitney B. (Mortgage Lender)coreStrategic or Co-development PartnerLong-term mortgage lender partner who has closed 10-15 clients after credit improvement through ACE. Estimates 3-6 months for clients to see major credit score results. Went through the program herself, improving from 423 to 760 in 4 months.
• Gary W. (Mortgage Lender)coreChannel Partner/ Reseller/ DistributorCurrent mortgage lender partner who sends clients with unapprovable credit to ACE. Reports increased approved applications including three approvals on Christmas Day. States 'ACE Credit Consulting is amazing!'
• Daphne M. (Loan Officer)minorChannel Partner/ Reseller/ DistributorLoan officer who refers clients with poor credit to ACE. Reports ACE is professional and provides good communication on client progress.
• Jason Mallett (American Mortgage)minorChannel Partner/ Reseller/ DistributorMortgage broker at American Mortgage who refers clients to Ace Credit Consulting for credit repair services.
• Michael Doherty (Texas Elite Realty)minorChannel Partner/ Reseller/ DistributorReal estate professional with Texas Elite Realty who refers clients to Ace Credit Consulting.
• Joe Boggs (Supreme Lending)minorChannel Partner/ Reseller/ DistributorMortgage professional with Supreme Lending who refers clients to Ace Credit Consulting.
• Eric Gomez (ACE Credit)minorChannel Partner/ Reseller/ DistributorACE Credit team member who works closely with mortgage lenders and loan officers to provide credit repair services.
• Dena Hall (ACE Credit)minorChannel Partner/ Reseller/ DistributorACE Credit team member who works closely with mortgage lenders and loan officers to provide credit repair services.

Scale indicators4 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Lexington Law: One of the largest U.S. credit repair law firms, also helping consumers dispute inaccurate, erroneous, and outdated items on their credit reports under FCRA. Directly competes with ACE's core service on price, process, and target customer.
• The Credit Pros: Subscription-based credit repair service emphasizing dispute processing, credit education, and score-tracking technology. Targets a similar credit-challenged consumer segment through both direct and partner channels.
• Sky Blue Credit Repair: Subscription-based consumer credit repair service offering dispute letter preparation and personalized case analyst support. Closely mirrors ACE's model of monthly billing and unlimited disputes until goals are met.
• National Credit Federation: Subscription credit services firm offering dispute assistance and credit education, plus business-credit services. Direct overlap with ACE's stated consumer-and-business credit offering.
• CreditRepair.com: Large national credit repair subscription service with online dashboard and partner/marketing programs. Operates an almost identical business model to ACE at significantly larger scale.
• Credit Saint: Tiered-subscription credit repair company offering dispute escalation, creditor intervention, and credit education — same FCRA dispute framework as ACE with comparable target customer.

Broad incumbents

• Credit Karma: Free credit-monitoring and education platform owned by Intuit; not a direct dispute service but offers credit-score tracking and educational resources that overlap with ACE's monitoring and education features.

Emerging players

• Dovly: AI-driven subscription credit repair platform. Represents the automated, tech-first competitor that pressures traditional dispute-preparation services like ACE on cost and scalability.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ace Credit Consulting