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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How To Choose A Credit Counseling Service

Living paycheck to paycheck? Worried about how to get out of debt? Can’t seem to develop a workable budget, let alone save money for retirement? If this sounds familiar, you may want to consider the services of a credit counselor. Many credit counseling organizations are nonprofit and work with you to solve your financial problems. However, it is important that you know how to choose a credit counseling service.

If you're looking for debt help, here's how to choose a credit counseling agency.

If you’re looking for debt help, here’s how to choose a credit counseling agency.

Tips on How to Choose a Credit Counseling Agency

First of all, when it comes to credit counseling, it is always better to have one-on-one interaction. This way, you can discuss your specific problem with a certified counselor and get your very own personalized solution.

Reputable credit counseling organizations advise you on managing your debts, help you develop a budget, and usually offer free educational materials and workshops.

Nonprofit credit counseling agencies, such as ACCC, have counselors who are certified and trained in specific financial areas. These include, but are not limited to, consumer credit, money and debt consolidation options, and budgeting. Counselors discuss your entire financial situation with you and help you develop a personalized plan. An initial counseling session typically lasts an hour, with an offer of follow-up sessions.

A reputable credit counseling agency should send you free information about itself and the services it provides without requiring you to provide any details about your situation. Consequently, if a firm doesn’t do that, consider it a red flag and go elsewhere for help.

Once you’ve developed a list of potential counseling agencies, check them out with your state Attorney General, local consumer protection agency, and Better Business Bureau. They can tell you if consumers have filed complaints about them.

If you are trying to figure out a way to getting out of debt fast, this may be the time you speak with a certified counselor. Be thorough with the checklist on how to choose a credit counseling agency.

Schedule a free credit counseling session with us today. 


Dilini is a Marketing Communications & Programs Associate at ACCC. To anyone, managing finances can be a real challenge! Any tips and tricks to help get through this are great! Dilini will share her experiences, tips, and tricks along the way through the Talking Cents blog. Stay tuned!

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