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.

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Debt Management Program

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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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Credit Counseling Tips

Get free credit counseling tips from ACCC.

If you have big debts or a poor credit score and you’re looking for credit counseling tips, American Consumer Credit Counseling (ACCC) can help. We’re a nonprofit organization dedicated to helping consumers nationwide improve their credit and reduce their debt. Since 1991, we’ve offered free debt advice and credit counseling tips to thousands of people, and provided affordable debt management services to help individuals and families interested in rebuilding credit and getting out of debt for good.

What do credit counselors do? When you contact us, you’ll speak with a certified credit counseling professional who will help you evaluate your current financial situation. They will offer credit counseling tips and personalized financial options based on your goals. Call today to speak to our credit counselors and take the first step to improving your credit and getting out of debt.

Why choose ACCC for credit counseling tips?

There are a lot of reasons ACCC has been a top choice of individuals and families seeking credit counseling tips since 1991. We offer a free credit counseling session that includes help evaluating your finances and tips on preparing a budget. In addition to free credit counseling tips, we offer a broad range of money management tools and educational materials on our website. Use a credit card repayment calculator to analyze your credit card debt, or learn about the difference between a secured vs unsecured loan. Our fees for services are among the lowest in the industry, and we pledge to help regardless of your ability to pay. Our counselors are certified and highly trained, and our customer service is exemplary. And perhaps most importantly, we have a strong track record of success in helping thousands of people find their way out of debt.

Our top credit counseling tips.

When you come to ACCC, our counselors will provide free credit counseling tips based on your unique financial situation. But having helped so many individuals and families through the years, there are a number of credit counseling tips that apply to almost everyone. These include:

  • Set financial goals. Having goals will help you make the tough decisions about spending and saving money.
  • Track your spending. While keeping track of all your expenses can be tedious, it’s an important step in understanding where your money is going and how you can save more to pay off debt.
  • Create a budget. A budget is the most powerful tool you have for managing your money and achieving financial health.
  • Get copies of your credit report regularly. You’re entitled to a free credit report every year from Experian, Transunion and Equifax credit reporting agencies. To get your free credit report visit www.AnnualCreditReport.com or call 877-322-8228.
See if our Debt Management Program is right for you Should you consolidate your debt? See how much it really costs to use your credit cards

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