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


You are now leaving the Consumer Credit website and are going to a website that is not operated by ACCC. We are not responsible for the content or availability of linked sites.

Are you sure you want to leave?

No, return me to the previous page.


Planning On Buying A Car This Presidents’ Day? Here’s What You Need To Know

Are you hoping to score a deal on a car this Presidents’ Day? Like other major holidays, Presidents’ Day is a great time to buy a car as many dealers will run promotional events to get consumers in the door. But before you decide to make a big purchase, our credit counseling advice is to make sure you are fully informed.

Our credit counseling advice is to buy a car that you won't struggle to pay off.

Our credit counseling advice is to buy a car that you won’t struggle to pay off.

Know your credit score before you look to buy a car.

Your credit score is an important factor of the car buying process. Know what you need to do in order to keep a healthy credit score. When looking at a credit application, banks look for an established credit file. Any past auto loans, mortgages and any delinquent payments will absolutely be considered when applying for an auto loan. Banks are more inclined to approve applicants with proof that they pay their bills on time over someone who has no file and/or hasn’t established any credit.

A good rule of thumb, would be to have five lines of well-paid credit, with at least some sort of installment loan, or loan that requires monthly payments to pay back. Typically, lenders want to see at least 2-3 years of credit history as well. Once your credit is in tact, you’re ready to start your search!

Research and know your car priorities.

To begin, it’s very important to investigate the estimated value of the cars you’re interested in online and compare prices with local dealerships. There are great resources like TrueCar and Kelley Blue Book that allow you to check out the worth of various new and used motor vehicles.

  • Do you want a pre owned car?
  • Are you looking for a utility vehicle or sedan?
  • Is safety a priority for you?
  • Is fuel efficiency a major factor?
  • Will you be driving long distance or need towing capacity?

Be realistic with your car buying budget.

If you plan on financing, it’s good to have a budget in mind of what you can realistically afford. You don’t want to get yourself into unnecessary credit card debt buying a car you don’t have the money for. Do your research, and shop around for rates. Determine the best rates and terms of financing through the dealership as well as your banking institution. Banks offer both new and used auto loans and can be a great option.

  • What are you willing to spend?
  • Can you commit to $15k or $35k?
  • What monthly payment can you afford?

After you have calculated the appropriate numbers in your head and have decided on what you’re looking for, you will be confident entering the dealership. Now comes the fun part, picking out your new ride!

If you’re struggling to pay off debt, ACCC can 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!

View all author posts →


Your Ultimate Money Management App

Meet CreditU, the ultimate one-stop debt and financial management app! See your full financial overview, including debts, income, expenses, and savings.

CreditU Apple App Store
Dev Tool:

Request: blog/planning-on-buying-a-car-this-presidents-day-heres-what-you-need-to-know
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=planning-on-buying-a-car-this-presidents-day-heres-what-you-need-to-know
Loaded Template: single.php