Aaron Sarentino

Client Success Manager @ Americor.
Aaron oversees executive, administrative and management functions for the firm. Aaron has a Bachelors in Business Administration from Pepperdine University. He is responsible for helping customers at every stage of the debt settlement process and focused on building loyalty to ensure long-term client retention by addressing customer issues. Aaron plays a pivotal role in the upliftment of the Americor team to ensure the best possible customer experience for clients.
FDCPA
What is the Fair Debt Collection Practices Act?

The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects consumers from unfair and abusive debt collection practices. 

Nov 21, 2022
Debt to Equity Ratio
Debt to Equity Ratio: Formula and How to Use it

The debt-to-equity ratio is a metric that measures a company’s financial leverage. Debt to equity is important for assessing a company’s ability to pay back its debts and meet its financial obligations.

Oct 31, 2022
debt settlement attorney
What is a Debt Settlement Attorney & Finding the Best for You

A debt settlement attorney is a lawyer who specializes in negotiating with creditors on behalf of their clients to try to reach a settlement agreement. This can involve reducing the amount of money owed, or negotiate a payment plan that is more manageable for the debtor.

Oct 13, 2022
debt to income ratio
What is Debt to Income Ratio: Formula & How It’s Used

Debt to income ratio is a financial term used to describe the percentage of an individual’s monthly income that goes towards paying debts. This figure provides creditors with an indication of an individual’s ability to make debt repayments, and is therefore an important factor in credit decisions.

Oct 12, 2022
credit card debt signn
8 Tips for Getting Out of Credit Card Debt

No matter how you end up in credit card debt, it’s important to find a way to get out of it. The sooner you start paying off your debt, the less interest you will have to pay. And if you aren’t able to make progress on your own, there are plenty of resources and programs available to help you get out of debt.

Sep 11, 2022
How to Get a Personal Loan

First off, to get a personal loan you will need to have a good credit rating. Applying for a loan with a poor credit rating will most likely lead to denial. Or if you do find a willing lender with a poor credit score, the interest rate will likely be sky high.

Sep 18, 2020
Credit Report
Credit Reports, Credit Scores and Credit Transactions

When you apply for a credit card, a personal loan, or insurance, a file about you is created. This file, known as your “credit report,” is maintained by credit reporting companies. Your report will grow to include […]

Apr 9, 2020
Savings 101
Saving on a Tight Budget

How can those who currently aren’t saving afford to save money? And how can those saving only a little save more? Here are nine tips for saving money when budgets are tight […]

Apr 9, 2020
Paying Off Debt
Debt and Your Lifestyle: You Can Still Have Fun While Paying Off Debt

We’d all like to have a little less debt in our lives, but what’s stopping us? Many consumers don’t have the financial means to do fun activities while they are swimming in debt. Or, they don’t want to sacrifice their social life to their debt, so they continue to add more or ignore it. Paying […]

Aug 24, 2018
Breakdown of Interest Rates:
The Breakdown of Interest Rates

On the surface, borrowing money seems straightforward: a friend loans you twenty bucks, and you give it back when you get paid. Easy. If only the rules were so simple with banks and credit card companies. However, these types of debt come with interest rates. Interest rates are often the most confusing part of loans […]

Aug 20, 2018
Minimum Credit Card Payments Don’t Work
Minimum Credit Card Payments Don’t Work — Here’s Why

Credit cards aren’t necessarily bad for your financial health. As long as you spend responsibly and pay your balance in full every month, a credit card can be a convenient and useful tool. But some consumers bite off more than they can chew. In other words, they’ll accumulate credit card debt faster than they can pay it off. Consequently, they’ll carry a balance from month to month and pay only the minimum amount due — if they can afford to do even that.

May 17, 2018
California Credit Card Debt
Nearly 6 out of 10 Credit Card Holders in California are Using Too Much Credit

As many people learn in adulthood, access to credit is important. It helps them build a solid credit history, which in turn helps them buy a house or rent an apartment. However, having such easy access to credit can also lead to irresponsible financial behavior. Spending beyond their means is a common mistake among credit card holders.

Apr 18, 2018
These States Have the Highest Amounts of Credit Card Debt

Some states are reaching new heights — but not the kind to write home about. According to Experian’s latest State of Credit report, the following states carried the highest average credit card balances in 2017:   State Average Credit Card Debt Alaska $8,515 Connecticut $7,258 Virginia $7,161 New Jersey $7,151 Maryland $7,043 Hawaii $6,981 District […]

Apr 18, 2018
Current Credit Card Trends
Save Your Wallet by Being Aware of These Current Credit Card Trends

Sure, you know what a credit card is and how to use it. However, some consumers don’t know that the credit card industry changes regularly. Just like any other industry, there are things about credit cards that change all the time. While the cards still work the same, you can leverage these changes to save […]

Apr 4, 2018
Credit Charge-Off Impact
The Impact of Low Charge-Offs on Credit Card Debt

According to a recent study by WalletHub, U.S. consumers have managed to rack up over $1 trillion in credit card debt. In the last year alone, the amount of debt accumulated was a whopping $92.2 billion. This figure is the highest it’s been since 2007, the study adds.   Why has this happened? Low charge-off […]

Apr 4, 2018
What Causes Credit Debt?
The 5 Leading Causes of Credit Card Debt

Americans have amassed more than $1 trillion in outstanding credit card debt – a record high, according to the Federal Reserve. In its annual State of Credit study, Experian reports the average American is carrying a staggering $6,354. What leads to such a high amount of debt? Overspending. As the economy has steadily improved since […]

Apr 4, 2018
Pay for a Delete
Pay for a Delete: Good Idea?

What in life is really essential to our survival? It’s a pretty short list, headlined by food, shelter and clothing, but many people nowadays would also include a mobile phone among their list of indispensable “must-have” items. But did you know that a mobile phone payment could also affect someone’s credit scores? Currently, the account […]

Mar 8, 2018
Understanding interest rates
Clear Language Establishes Trust, Minimizes Anxiety

How financial concepts are presented can have a big impact on how people feel about their bank statement. In August, Credit Karma worked with Qualtrics to survey over 1,000 people about their reactions to two descriptions of adjustable rate rules, one technical and one conversational. Their responses were highly correlated with their attitudes toward money […]

Mar 7, 2018
College Student Credit Scores
Did the CARD Act Really Protect College Student Credit Scores?

Before the Credit Card Accountability, Responsibility, and Disclosure or CARD Act went into effect in 2009, it was a much more common sight to see credit card companies setting up kiosks welcoming students to campus, offering swag in exchange for filling out an application for a college-affinity card. Credit cards branded with the logo and […]

Mar 6, 2018
Good Credit Score
What is a Good Credit Score?

A good credit score is what each of us aspires to. After all, a credit score is one of the important determining factors when it comes to borrowing money – and getting a low rate when you do. But trying to pin down a specific number that means your credit score is “good” can be […]

Mar 5, 2018
The Best Ways to Loan Money to Friends and Family

Most of us are fairly generous people, and we want to help a family member or friend when we can. But the fact is, a person who can’t get a personal loan from a traditional source often has damaged credit or no credit, both of which make such a borrower a greater credit risk. (There are also […]

Mar 4, 2018
Retailer Credit Cards
The Real Reasons Retailers Push Branded Credit Cards

When shoppers hit the counter of their favorite retailer this holiday season, they may be asked to sign up for the store’s branded credit card in exchange for a discount on their purchase. The cards are often a better deal for the stores than they are for consumers. There are some perks to consumers—store cards, […]

Mar 3, 2018
Life After Loan Denial

What in life is really essential to our survival? It’s a pretty short list, headlined by food, shelter and clothing, but many people nowadays would also include a mobile phone among their list of indispensable “must-have” items. But did you know that a mobile phone payment could also affect someone’s credit scores? Currently, the account […]

Feb 28, 2018
Credit Reports

A Credit Report is a detailed report of credit history that is gathered by three credit bureaus; Transunion, Equifax, and Experian. Things like personal loans, mortgages, credit cards, medical bills and car payments are some of the things that can be on your credit report. Lenders look at your credit report to determine your creditworthiness, […]

Feb 27, 2018
Check Your Credit Before Buying a Home

What is a Credit Score? Imagine that a friend asks to borrow money from you. Assuming you had the money to loan, you might then ask yourself, “Did he pay me back the last time he borrowed money? Did he pay me back the full amount? On time?” When you approach banks and lenders for […]

Feb 26, 2018
Managing Debt
Managing Debt

Managing your debt is something most of us do not even want to think about. It takes time, hard work, knowledge and dedication to get out of debt. However acting as if it doesn’t exist isn’t going to make it disappear. If you haven’t taken a look at your credit report lately, we strongly recommend […]

Feb 25, 2018
Credit Scores
Credit Scores

Credit scores significantly impact your financial and personal lives.  When your finances and credit scores are in good working order, you can rest easier knowing that your financial future is more secure. Credit scores range from approximately 300-850. Here’s what they mean: (Keep in mind that these are approximations) 300-550 Poor May not be approved for […]

Feb 24, 2018

See how Americor can help

Check Your Options