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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Do You Understand Your Credit Report?

Credit reports might seem really complicated, so let’s make them uncomplicated. Your success in managing credit is reflected in your credit report and score. A credit report is a history of everything you are doing with your credit now and what you have done with it in the past. Your credit report and score affect your ability to get credit and the terms/rates of that credit. In the process of getting out of debt, it is therefore important that you understand your credit report well.

Keep reading to understand your credit report.

Keep reading to understand your credit report.

Understand Your Credit Report

There are 6 key sections of a credit report:

  • Personal information like your social security number and addresses
  • Summary of your credit information
  • Negative information from courts or collection agencies
  • Trades: a current record of your accounts
  • Hard inquiries made for your credit report
  • Creditor’s contact information

Now let’s answer some frequently asked questions

How do I get my credit report?

  • Visit annualcreditreport.com to get a free copy of your credit report every 12 months from Equifax, Experian, and TransUnion.

What does high credit mean?

  • The term high credit may seem odd, but it just means the highest amount that has been charged to an account.

Where can I find my late payments?

  • The little boxes you see in the Trades section indicate if you have any late payments and shows how late they were.

Can I find my credit score on the report?

  • Credit scores don’t appear on your credit report. There are a few free sources, but most of the time you need to buy your scores or access them through another service.

What can I do If I see an error on my credit report?

  • If you see an error on your credit report, contact the credit reporting company immediately to start the process.

You can find more information to understand your credit reports on the video below!

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