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

Bankruptcy

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

Wait!

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.

Yes

Tuesday Tip: Boost Your Credit Score with a Secured Credit Card

You can’t get a credit card or loan without a decent credit score. You can raise your credit score without building a strong credit history. You can’t build a history without getting a credit card or a loan. It’s a vicious cycle that many consumers find themselves in. If you find yourself in such a scenario, there is something you can do to build credit history. Open a secured credit card account.

Try American Consumer Credit Counseling's method to build credit history.

Try American Consumer Credit Counseling’s method to build credit history.

You’ll find it very difficult to obtain a typical credit card if your credit score is low, or your credit history is short. However, a secure credit card is different. A secure card requires you to pay collateral to open the account. For example, if you pay $1,000, then that is your credit limit. Since your low score gives little confidence to the creditor that you are able to pay off credit card debt, this deposit acts as security for them.

Other than that, a secure credit card works just like a regular card. Your activity is reported to the card issuer and the credit reporting agencies, so you are able to build up a positive credit history. If you do, then you will eventually be given the opportunity to open a regular account with the creditor.

A secure credit card is a great tool to build or re-build a bad credit report. Just be aware that you must use it responsibly, just as you would a regular credit card, to reap the benefits.

 

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

ABOUT AUTHOR / Andi

Andi is a Marketing Assistant at ACCC. He is passionate about supporting financial literacy efforts and helping to educate people on the Talking Cents blog!

View all author posts →

creditU

Say goodbye to the burden of debt

Struggling to manage your debt and improve your financial health is a thing of the past with the CreditU mobile app, an essential tool for anyone looking to manage their personal finances with ease.

CreditU Apple App Store CreditU Google Play
Dev Tool:

Request: blog/tuesday-tip-boost-your-credit-score-with-a-secured-credit-card
Matched Rewrite Rule: blog/([^/]+)/?$
Matched Rewrite Query: post_type=post&name=tuesday-tip-boost-your-credit-score-with-a-secured-credit-card
Loaded Template: single.php