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:

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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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Who Can Pull My Credit Report?

Our debt counselors know that there’s a lot of mystery surrounding credit reports. Who can pull my credit report? What does it show? How can I access it? As a reflection of your financial decisions, it’s crucial that consumers understand credit reports. Learn more about who can pull your credit report along with instructions for how you can pull it too.

If your credit report seems like a mystery to you, ACCC has answers.

If your credit report seems like a mystery to you, ACCC has answers.

What is a Credit Report?

A credit report is a history of everything you’re doing with your credit now and what you’ve done with it in the past. Organized into a list of information from lenders, your report includes records of payment history, payment totals and payment frequency. Your lenders send both positive and negative information about your accounts to the three credit reporting agencies (Equifax, Experian, and TransUnion). Then, the agencies compile the data into a report.

The information that your creditors decide to share can impact your credit report. For example, if you are late on one payment, but generally pay on time, it’s possible that your creditor will not share the late payment. On the other hand, if you have accumulated a lot of consumer debt, any related negative information will be included in your report and will affect your credit score.

In short, your relationship with credit reflects your reliability. Your ability to get credit, loans, housing, and more are all impacted by your credit report and score.

Who Can Check It?

Now that we’re clear on what a credit report is, let’s see who can access it. Essentially, any possible lender or entity who is financially assisting you can access your report. This includes but is not limited to:

  • Creditors
  • Mortgage lenders
  • Landlords
  • Utility companies
  • Student loan lenders
  • Insurance companies
  • Employers
  • Government agencies
  • Collection agencies
  • Judgment creditors
  • Entities that have a court order

If you want to look at your report too, it’s pretty easy to access. It’s important for consumers to check their report and understand any and all information presented. This way, you can quickly catch any inaccurate or potentially fraudulent activity.

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!

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