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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How to Find Reputable Credit Counseling Services

If you’re looking for debt assistance, a reputable credit counseling service could offer the help you need. Nonprofit credit counseling agencies offer these services for free to anyone in need of financial help. While these are good resources to use, there are also scams and for-profit companies trying to make money off of your debt that you should watch out for. ACCC explains how to find reputable credit counseling services and how to tell if it’s legitimate or a scam.

Reputable credit counseling services have your best interest at heart.

Reputable credit counseling services have your best interest at heart.

How to Find Reputable Credit Counseling Services

If you’re doing your research online, check the website of the credit counseling agency you would like to use. Are they a nonprofit? What is their rating with the Better Business Bureau? Are they a member of the NFCC (National Foundation for Credit Counseling)? If this information is not on their website, that may be a red flag. Also, check to make sure that they are really a credit counseling agency and not a debt settlement company. While the two might sound like they offer the same services, there are several important differences. Debt settlement companies are for-profit companies that can charge high fees for their programs. Their role is to help you settle on your debt for less than what you owe, which can significantly decrease your credit score.

Nonprofit credit counseling agencies, on the other hand, offer a free credit counseling session to go over your financial situation and determine the best course of action to tackle your debt. They go through your income, expenses, assets, and liabilities to help you come up with a budget. They also offer free educational materials and resources, and may enroll you in a debt management program. This program allows you to pay off all the debt you owe, unlike debt settlement, but with lower interest rates and waived fees. This program does not hurt your credit like debt settlement does.

How to Get Started with Credit Counseling

It’s easy to get started with reputable credit counseling services. All you have to do is call! This is the time to ask them any questions you may have about their services. Asking questions about their fees, licensing, and the credit counseling process can help you determine if they are reputable or not.

If you’re struggling to pay off debt, ACCC may be able to help. Schedule a free credit counseling session with us today!


Madison is a Marketing Communications & Programs Associate at ACCC. She is excited to share her tips on saving money and being financially responsible here on the Talking Cents blog!

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