AM FINANCIAL SERVICE

Meet The CEO

Hey, I'm Andrea Marion, but you can call me Drea! If you’ve landed on this page, you might be wondering how my journey began.

In 2020, during the height of COVID-19, I was denied a loan that I desperately needed to support my family after losing my job. I was told my credit score was too low, so like many others, I paid a credit repair company over $1,500—only to see no real changes.

That’s when I decided to educate myself on credit laws and take control of my financial future. I spent countless hours studying consumer protection laws and financial strategies and started applying what I learned to my own credit reports. When I saw real results, I knew I had unlocked something powerful.

Turning Knowledge Into a Mission

As my credit improved, so did my financial opportunities—and I wanted others to experience the same. I started helping people understand how to dispute inaccuracies, use credit responsibly, and advocate for their financial rights. Seeing the excitement and relief on people's faces when they gained financial freedom lit a fire in me—this became my passion.

But I knew credit education alone wasn’t enough—many people struggle with financial literacy as a whole, and I wanted to bridge that gap.

That’s how AM Financial Services was born.

Our Mission at AM Financial Services

At AM Financial Services, we focus on empowering individuals with financial knowledge, helping them navigate credit reporting, financial disputes, and debt education through:

✔ Consumer Education – Understanding credit, debt management, and financial literacy.
✔ Document Preparation Assistance – Helping individuals prepare and organize financial documents.
✔ Self-Advocacy Support – Guiding consumers on how to dispute inaccuracies and exercise their rights.

YOU HOLD THE KEY TO A BETTER LIFE—LET’S OPEN THE DOORS TO FINANCIAL EMPOWERMENT TOGETHER.

Get Started Now

WHY CHOOSE US

What Sets Us Apart:

At AM Financial Service your financial well-being is our priority! We are a dedicated consumer advocacy firm committed to empowering you on your journey towards financial freedom. Our comprehensive suite of services is designed to address various aspects of your credit and financial landscape, all provided with a commitment to excellence and transparency.

Our Services:

Empower yourself with the knowledge to manage your credit effectively. We offer educational resources and guidance on understanding credit reports and financial management. Our document preparation assistance supports you in organizing your financial information, enabling you to address any discrepancies independently.

Take control of your debt by exploring available options for relief. We provide guidance and document preparation assistance to help consumers understand how to request debt waivers and navigate the dispute process effectively. Our resources empower you to advocate for yourself and seek fair resolutions to financial challenges. Please note: Clients are solely responsible for submitting any disputes to credit bureaus or creditors. AM Financial Service does not file disputes on behalf of clients but provides the necessary tools and knowledge for you to manage your credit effectively.

If a dispute escalates, understanding your rights is crucial. We offer educational resources and document preparation assistance to help you navigate arbitration and litigation procedures. Our goal is to equip you with the tools and knowledge needed to advocate for yourself and address disputes with creditors effectively.

For legal representation, we partner with experienced consumer protection attorneys. If your case requires legal action, we will refer you to a licensed attorney in your jurisdiction.

Navigating Financial Documentation with Confidence

Handling financial documentation can be overwhelming, but you don’t have to do it alone. We provide document preparation assistance to help ensure that your paperwork is organized, accurate, and structured effectively. Our services are designed to empower you with the tools and knowledge needed to advocate for yourself in financial disputes.

We Help You:

✔ Assist with preparing credit dispute letters & regulatory complaints.

✔ Guide you on how to self-file CFPB complaints & arbitration claims.

✔ Help you organize documentation for debt disputes.

✔ Provide educational resources on consumer protection laws & your rights.

At AM Financial Service, we understand that financial challenges can be overwhelming. Our mission is to provide you with the support and expertise needed to overcome these challenges and achieve financial success. Schedule your free consultation today and take the first step towards a brighter financial future.

Our Promises to You :

We offer a 100% Money Back Guarantee per your client agreement.
We are a company with integrity.
We are very experienced with consumer and business and credit.
We will be intimately involved with your credit experience.
We will be there for you every step of the way.
Credit education and correction is legal and the law is on your side. We help and guide you from start to finish and we prepare all of the documentation for the various credit agencies.
Our fees are reasonable and there are NO long binding contracts. We help you to work with your files until it is done.

We are not attorneys and do not provide legal representation or legal advice. Our services include document preparation, consumer rights education, and guidance on self-filing disputes. We do not draft legal pleadings, appear in court, or negotiate on behalf of clients. If you require legal advice or representation, we recommend consulting a licensed attorney.

AM Financial Service LLC is a Delaware-based company providing consumer advocacy and document preparation services. We do not provide legal services, legal advice, or credit repair services. Our services are educational in nature and do not replace professional legal or financial advice.

Frequently Asked Questions

1. What services does AM Financial Service offer?

AM Financial Service specializes in consumer education, document preparation, and financial literacy guidance. Our goal is to help clients understand their credit reports, financial rights, and how to take informed action on their own behalf. We do not provide credit repair services, credit counseling, or direct credit disputes.

2. How can AM Financial Service help improve my credit score?

AM Financial Service provides financial education and document preparation services to help clients understand their credit reports, legal rights under the FCRA, and how to take control of their financial future. We do not dispute credit items on behalf of clients, but we offer guidance on how consumers can exercise their rights and manage their financial health independently.

3. How long does credit repair take?

With Credit Repair there is no guaranteed timeframe to ensure when items will be removed from your report but there is a timeframe by federal law that disputes are to be investigated and given a response. Everyone's credit report is different and requires different dispute tactics and methods to get results. You have to look at it like this: it took years to mess up your credit so you can not expect it to be fixed within a few weeks. The duration of credit repair varies depending on individual circumstances. Generally, it can take a few months to see significant changes in your credit score, but some cases may require a longer period.

4. What is the Fair Credit Reporting Act (FCRA) & Fair Debt Collection Practices Act (FDCPA)?

The FCRA is a federal law that regulates the collection, dissemination, and use of consumer credit information. It ensures the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.

The FDCPA is a federal law that limits the behavior and actions of third-party debt collectors who are attempting to collect debts on behalf of another person or entity. It aims to protect consumers from abusive, unfair, or deceptive practices.

5. Can AM Financial Service guarantee a specific outcome?

While we strive to provide the best possible results, we cannot guarantee specific outcomes due to the complex nature of credit reporting and individual financial situations.

6. Why do you charge for document preparation services?

We charge for the time and expertise required to prepare consumer rights documents, including financial records organization and legal document preparation. Our services focus on assisting clients in understanding their rights under federal and state laws, such as the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA).

7. Are there additional fees for credit repair services?

No. AM Financial Service does not charge for consumer education and guidance on financial literacy. We do not provide credit repair services, debt settlement, or financial representation. Our services are strictly educational, focusing on document preparation and consumer rights awareness.

8. Can I cancel at any time?

Yes, you can cancel our services at any time without penalty. We operate transparently, with no long-term commitments.

9. How and When Do I Pay for Services?

AM Financial Service LLC only collects payment after services are rendered, in accordance with all state laws:

NY and NC clients are charged after we review credit reports, collect ID verification documents, and prepare dispute materials.
Georgia Clients: In accordance with Georgia law (O.C.G.A. § 16-9-59), we do not provide credit repair services, submit disputes, or communicate with credit bureaus or creditors on behalf of Georgia residents. Georgia clients may choose to receive document preparation and educational support services only. Any applicable fees are charged solely for document preparation, and only after the educational guidance and document drafting are complete — never for dispute submission or outcome-related services.

Note: We do not charge fees for credit repair, because we do not offer credit repair services.

10. Do you offer representation or help with debt waivers?

We do not offer debt waiver or third-party representation services to Georgia residents.

However, clients in New York and North Carolina may request assistance with debt waiver preparation or third-party representation in arbitration, as allowed under the Federal Arbitration Act (FAA). These services are free and always performed with full client authorization and understanding.

AM FINANCIAL SERVICE LLC

AM Financial Service LLC is NOT a credit repair organization and does NOT offer credit repair services. We do not guarantee credit score improvements or remove negative items from credit reports. Our services focus on consumer education, financial literacy, and document preparation to help clients understand and exercise their rights under the Fair Credit Reporting Act (FCRA) and other consumer protection laws. Clients are responsible for submitting their own disputes.

AM Financial Service LLC does not offer credit repair services to Georgia residents. We do not file disputes or interact with credit reporting agencies, creditors, or debt collectors on behalf of Georgia consumers. Per Georgia law, we only provide general educational resources and document preparation upon request, and clients must submit all disputes themselves.