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Credit Problems

Solve your credit problems with help from ACCC.

Credit problems can make life pretty difficult. A low credit score can keep you from applying for credit cards, loans and mortgages. Credit problems can also make it hard to get an apartment or even a job. Perhaps the most difficult thing about a poor credit score is that it can seem impossible to fix, as credit problems in your past often prevent you from the getting the opportunity to show that you are creditworthy today.

American Consumer Credit Counseling (ACCC) can help. As a non-profit agency dedicated to credit relief and debt assistance, we've helped tens of thousands of individuals and families deal with their credit problems and eliminate debt through a variety of debt reduction programs. We offer free credit counseling and affordable debt management programs that can help you improve your credit score and get out of debt more quickly, usually within five years. Our certified credit counselors are available six days a week to answer questions, evaluate your financial situation and help you select the strategy and plan that will end your credit problems. Contact us today for free, no-obligation consultation.

End your credit problems with credit counseling.

Credit counseling at ACCC begins with a free consultation. Our highly trained credit counselors will:

  • Evaluate your current financial situation.
  • Develop a detailed review of your income, assets, expenses and debts.
  • Provide you with personalized credit and debt relief options based on your situation and your goals. These may include social service referrals, educational materials and recommendations for a debt solution or debt management plan, if appropriate, to address your credit problems.

One of the most important benefits of credit counseling is peace of mind. At the end of your counseling session, you'll have a better sense of the options available to you to address your credit problems. You'll have a better understanding of how to get out of debt, and you'll know that you are not alone in your effort to improve your financial situation.

Solving credit problems with a debt management plan.

A debt management plan is one of the most effective ways to address credit problems caused by having too much debt. In a debt management plan, we consolidate all your payments to creditors – you make one payment per month to us and we'll disburse funds to creditors on your behalf. This accomplishes two things: it makes it easier for you to keep up with payments since you have just one payment per month. It also allows us to negotiate with your creditors to seek possible reductions in interest rates, finance charges and other fees, to help reduce your monthly payment and the amount you owe.

Learn more about our debt management and credit reduction programs – schedule your free consultation today.

American Consumer Credit Counseling (ACCC) provides nonprofit credit counseling, financial education, debt relief consolidation and debt reduction services for consumers nationwide. We offer free credit counseling to help individuals and families learn how to pay down credit card debt and how to eliminate debt altogether. As an alternative to expensive unsecured debt consolidation programs for settling credit card debt, our debt management programs help consumers pay off debts and manage credit card debt more quickly by consolidating payments. We also offer debt negotiation services to help reduce finance charges and interest rates. And our financial education services show consumer how to manage money more effectively and how to get rid of credit card debt more quickly – usually in five years or less.

American Consumer Credit Counseling - Consolidate Debts - Better Business Bureau American Consumer Credit Counseling - Consolidate Debts - Mass Housing Approved National Industry Standards for Homeownership Education and Counseling American Consumer Credit Counseling - Consolidate Debts  - Council on Accreditation American Consumer Credit Counseling - Consolidate Debts  - NFCC Member