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.


ACCC’s Client Login allows current clients to access their program information, including the due date, program benefits, and other documents.

Select a Client Login below based on the service that you are currently enrolled in:

Debt Management Program

Client Login


Pre-Bankruptcy Client

Post-Bankruptcy Client

Not yet a client, but looking to get started?

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.

Get Started


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How Can I See My Credit Report Online?

Credit reports are a reflection of a person’s financial decisions- failures and successes. There are plenty of reasons to need your credit report. Whether you have been notified of a data breach or need to apply for a loan, our credit counseling advice is to check on your report regularly. If you’re asking, “How can I see my credit report?” we have the answers for you.

ACCC explains how to see your credit report.

ACCC explains how to see your credit report.

How Can I See My Credit Report

Fortunately, this critical financial document is available to everyone free of charge. The Fair and Accurate Credit Transaction Act entitles consumers to one free credit report each year from each of the three main credit bureaus.

To view your report, visit AnnualCreditReport.com. This is the only website to get your free credit report. Here is a recent snapshot of the website’s home page. As you can see, there is a red button that says “Request your free credit reports.” Click on this button to begin the process.

how can i see my credit report


You may also call 1-877-322-8228 or send a written request to:
Annual Credit Report Request Service
PO Box 105281
Atlanta, GA 30348-5281 

So, “How can I see my credit report?” is a simple answer. However, understanding the credit report is another story.

Credit Report Guide

Credit reports are a running history of your finances. As a result, this account makes a big impact on major financial decisions and sometimes employment opportunities. Use this credit report guide- video and sample report- to start understanding all that it contains and how to better manage.

There are six main sections in a credit report.

  1. Personal Information
  2. Credit Summary
  3. Negative Information
  4. Trades
  5. Inquiries
  6. Creditor Contact Information

Depending on your credit history, these sections will vary in length. Use ACCC’s sample credit report to guide you through the six sections. The sample credit report also contains definitions of some challenging terminology found in the report.


Finally, watch this video to take a deeper look into credit reports.

If you’re struggling to pay off debt, ACCC can help. Schedule 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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