American Fair Credit Association

If AFCA is still withdrawing money from your account and you would like to stop any further withdrawals, you should be sure your membership with them is cancelled. Their website is To cancel your account, Call 1-800-450-2322 or 1-800-972-0005 or email or send a letter terminating your membership to the following address:

American Fair Credit Association, Inc.
c/o 4 Lynn Road
Englewood, CO 80113

In 1997, Plaintiff Dadra Mitchell, on behalf of herself and other members of the class, brought a class action lawsuit against the American Fair Credit Association (“AFCA”). Plaintiff alleged that AFCA solicited members of the class to participate in a credit repair program in which participants pay in excess of $500 to join a membership club that provides an unsecured credit card with a $300 limit. Plaintiff alleged that in reality AFCA was operating an illegal credit repair scheme, charging unconscionable fees for a credit card with a low limit, and providing illusory, obsolete and/or useless credit repair service which is incapable of repairing credit.

In February 2003, Judge Sabraw of the Alameda County Superior Court and Judge Chesney of the U.S. District Court for the Northern District of California granted approval of the settlement of all class claims, and on May 9, 2003, the settlement became final.

The Claims Administrator has begun processing the claim forms. AFCA completed the process for credit repair and debt forgiveness for outstanding membership dues on May 9, 2003. The credit bureaus have been and continue to update credit profiles and amend damaged credit reports. If you entered into a membership agreement with AFCA during the period from October 22, 1992 through the Effective Date (May 9, 2003), you automatically receive credit repair and debt forgiveness for membership dues. It will take several months to process the claims and update the individual credit profiles. We anticipate that the process will be substantially complete some time in September.

If you have information relating to a similar practice, please contact us.