If you are receiving unsolicited phone calls from an entity pretending to be ACCC (a trusted non-profit credit counseling agency), please be assured that ACCC’s policy is NEVER to contact you unless you’ve explicitly requested us to call you. Also be cautious of emails from an unusual or unfamiliar domain. ACCC’s domain extension is @consumercredit.com, and any emails using a different extension should be treated with suspicion.


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ACCC offers debt relief options to individuals and families that are suffering from stress related to credit card debt by providing effective credit counseling, helping to consolidate debt, and advising on debt management.

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Weekly Round-Up: 2020 Credit News

What will 2020 look like for your personal finances? Some things are under your control, others are not. As laws, markets and financial goals change, so will your finances. As a nonprofit credit counseling agency, ACCC is always keeping up with financial news. Here are a few headlines to read on 2020 credit news and more.

American Consumer Credit Counseling has updates on the 2020 credit news.

American Consumer Credit Counseling has updates on the 2020 credit news.

4 Headlines on 2020 Credit News

The main focus of this Weekly Round-Up is the new FICO scoring model. Fordbers reports, ”  FICO’s new scoring model (known as the 10 T) would assign more weight to how a consumer’s debt levels and on-time payment record have changed over the past two years.”

Read through these articles to learn more about the upcoming changes.

  • “Why your credit score matters so much” by CNBC
  • “Don’t pay more than you have to: four common credit card fees that you can avoid” by USA Today
  • “Dueling Indicators: Stock Market Edition” by NPR
  • “Don’t Panic Over New FICO Credit Scores—Do This Instead” by Forbes

Lessons on Good Credit Habits

While you may be approved for a large mortgage, a shiny new credit card or an auto loan to cover a new vehicle, it does not mean you can actually afford it. Creditors are not looking out for your best interest! They want to make money off the interest and late payment fees you will incur. That’s why you need to be proactive and informed.

Know your budget and what you can handle. Your loans and credit must align with the bigger picture. If you want to donate more money or save more for retirement, you must take this into consideration. The creditors will not.

  1. Never pay late.
  2. Always pay the full amount each month.
  3. Don’t spend more than you can afford.
  4. Research any credit or charge account before applying.
  5. Know your finances inside and out.
  6. Have your financial goals written down and specific.
  7. Work with your partner or spouse to manage your finances.
  8. Keep current on changes to credit reports, credit scores and any new laws that might come about.
5 signs overspending

If you struggle with credit card debt, ACCC can help. Sign up for a free credit counseling session with us today!   


Michelle is a regular contributor to Talking Cents. She has taken several financial courses on debt management and is ready to circulate what she has learned from them as well as lessons from her own life- family to DIY projects to student loan debt.

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