Traditional billing and/or collection companies retain a percentage of what they collect from your receivables. American Credit Bureau (ACB) is a comprehensive Cash Flow management company that gives you many proven tools to collect your outstanding balances – without using a billing company or a collection agency.
Many of our Members report receivable recovery rates of over 60%. They attribute their high success rate to using our streamlined invoicing and collection process that combines a unique blend of invoicing, automated voice payment reminders, online payment portals, pre-collect Credit Bureau Collection letters, and credit bureau reporting.

None. 100% of the money recovered is paid directly to your business.

Many customers assume there will be no consequence for failure to pay a bill. As an ACB Member, you can record a permanent blemish on a non-paying customer’s credit report. The blemish is a highly effective consequence, so you can expect to collect bad debt quickly and in full.

Some consumers may tell you that they don’t care. But the fact is that a severe credit blemish recorded on their credit history for up to seven years makes it difficult for customers to get credit. It’s not unusual for your client to eventually pay a past due bill years later—when seeking credit approval to buy a home, for example.

Here at American Credit Bureau, we’re so confident that you will be delighted with the results that you receive a 60-day risk-free, full money-back guarantee to all new Members.

Yes, American Credit Bureau is regulated by the Fair Debt Collection Practices Act (FDCPA), and the Fair Credit Reporting Act (FCRA). We are also in compliance with laws in all 50 states. As part of our orientation program for new members, we make certain you are familiar with all aspects of these regulations.

Yes, American Credit Bureau is an active member of the association. We use their guidelines and training programs to conduct our business in the most professional manner possible.

Our mission is to a) maximize collections in a professional, patient-friendly manner that protects the reputation and integrity of our clients, b) achieve success using tried and true strategies and technologies that are effective and ethical, and c) provide exceptional client service by being accessible, attentive, and results-oriented.

Since 1992, when Martin Ferrell identified a need in the business community for a more efficient and cost-effective way for business owners to manage their receivables and recover balances in a timely manner. The traditional method of hiring a collection agency has generally been viewed as a measure of last resort due to high collection fees and the negative impact on customer relationships. Mr. Ferrell, using his extensive experience, developed a systematic process for collecting outstanding balances without relying on a traditional collection agency.

The company has grown steadily and now serves clients in all 50 states. American Credit Bureau is fully bonded, licensed and insured. We currently have more than 15 employees trained in all aspects of A/R management and Customer Satisfaction. They are aware of all state and federal regulations that affect A/R management and debt collection and are available to you as Collection Coaches.

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