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

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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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Resources & Tools

Credit Scoring Factors

Ever wonder how your credit score is calculated? Fair, Isaac, and Company (FICO), the biggest credit scoring company, makes clear exactly what factors it considers when determining credit scores. Most creditors and credit bureaus use Fair, Isaac’s scoring system or have a system based on the Fair, Isaac system. According to Fair, Isaac, the factors considered in determining FICO scores are:

Payment history

(about 35% of the score)
Making payments consistently on time indicates responsibility.

Amounts owed on credit accounts

(about 30% of the score)
Fair, Isaac is looking to see whether you manage your credit responsibly. A large number of accounts with balances may indicate that you are over-extended.

Length of credit history

(about 15% of the score)
A longer credit history generally increases the score.

New credit

(about 10% of the score)
Fair, Isaac likes to see an established credit history, without too many new accounts. Opening several accounts in a short period can indicate greater risk.

Types of credit

(about 10% of the score)
Fair, Isaac is looking for a mix of different types of credit. However, this factor is usually not important if there is other sufficient information upon which to base your score.


Your Ultimate Money Management App

Meet CreditU, the ultimate one-stop debt and financial management app! See your full financial overview, including debts, income, expenses, and savings.

CreditU Apple App Store
Dev Tool:

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