Americor Reviews

Americor Reviews
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About Americor Reviews

Americor is a fintech company that helps individuals get out of debt. It partners with Credit9 to offer qualifying clients debt consolidation loans. It also has debt settlement services for clients who do not qualify for a loan. The company’s services are available in all states except Colorado, and it says that clients can become debt-free within 20 to 48 months.

Pros & Cons


  • Free debt assessment
  • Satisfaction guarantee


  • For unsecured debts only
  • Not available in Colorado

Bottom Line

Americor offers a free debt assessment so you can see which debt strategy is best for you. There are no upfront fees, and clients can cancel at any time without paying a penalty fee.

What is Americor?

Americor’s debt settlement program is available for individuals with more than $7,500 of unsecured debt. Americor negotiates on your behalf to lower your overall debt load. Debts covered include medical bills, credit cards, department store cards and personal loans.

For those who wish to tackle their debt through consolidation, Americor partners with Credit9 for debt consolidation loans up to $45,000.

How does Americor work?

After a free consultation with one of Americor’s certified debt specialists, you choose the debt repayment path that seems best for you. If you select Americor’s debt settlement program, you will stop paying your creditors and instead pay a monthly fee to Americor that will be held in a special account until you have enough money for negotiations.

Americor states you can get your first settlement within four to seven months of starting the program and that it can negotiate your original debt down to 30% to 50% less than what you owe. In total, you could become debt free within 20 to 48 months.

Americor services

Americor’s main service is its debt settlement program, in which the company uses its negotiation skills to help clients reduce their debt significantly.

Americor also partners with Credit9 for debt consolidation loans. These loans are an option instead of debt relief or after you’ve been in the debt settlement program for six months, as a way to pay off the rest of the creditors and improve your credit score.

Americor pricing

Americor does not disclose company pricing for its debt settlement program. However, it also doesn’t charge any fees upfront. This means you will not pay a signup or cancellation fee. Once your debt is settled, then you will pay a percentage of the total debt enrolled — this number varies by state.

You will not have to pay anything to Americor unless they settle your debt.

Americor FAQ

Will using Americor hurt my credit score?

It is possible. Since you will not be paying your creditors while Americor settles your debt on your behalf, you will have negative marks on your credit. Americor says that 85% of its clients reported their scores being better than or the same upon graduation as it was when they first enrolled in the program.

Does Americor offer any refunds or money-back guarantees?

Americor offers a satisfaction guarantee. The company does not complete any settlement until you approve it. Additionally, if the company cannot settle your debt, you do not have to pay for Americor’s services.

What is the difference between debt settlement and debt consolidation?

Debt settlement is when negotiate a lump-sum payoff of debt at a discount. Debt consolidation allows you to repay all of your current debts under one loan. Your debt load is not reduced, but the loan should help you to have a lower interest rate and just one monthly payment.

What debts can Americor help with?

Americor can help with most unsecured debts (i.e., debts not backed by collateral). This includes medical bills, department store cards, credit cards, personal loans and some student loan debts.

Is Americor legit?

Americor is a legitimate company that says it has helped over 200,000 people with their debt situation. To date, the company says it has relieved over $2 billion in debt. Americor is also a member of the American Fair Credit Council (AFCC), which supports consumer rights.

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Reviewed Aug. 23, 2023

I would like to thank Timothy ** and all the staff/employees of Americor for their excellent service and for allowing me the opportunity to pay the debt I currently owe. It would have taken me years to do what Americor is accomplishing for me now. I am almost debt free. Again thank you so much. CJ **.

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