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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Resources & Tools

Credit Improvement

If you’re not satisfied with your credit score, there are steps you can take to improve it. Actively working to enhance your credit is one of the most effective ways to improve your financial situation.

The articles in this section offer helpful information about ways to improve your credit and what to do when you’re deeply in debt.


Utility Credit

Of all the many different types of credit for example, retail credit, loans, charge cards, and mortgages utility credit may be the most important. Utility credit is the credit extended to users of gas, electricity, and water services. Phone service also can be considered a utility. Learn about your rights as a consumer and what to do if youre denied utility credit.

Knee Deep In Debt

When youre having trouble paying your bills, your financial situation may seem overwhelming. This guide will help you figure out what to do when you’re kneedeep in debt, including various debt solutions and damage control.

Knee Deep In Debt: Damage Control

There are many agencies that prey on consumers who are deeply in debt. Before you look for a business to help you manage your debt, learn how to determine which agencies are legitimate and how you can protect yourself from unscrupulous companies.

Dealing With a Bad Credit Report

Reviewing your credit report may have confirmed your fears. Although you can’t erase all of the bad information, there are some steps you can take to make the situation better.

Credit And Divorce

Divorces are not only challenging, and complicated, but they can also have a severe impact on your credit. Understand how the types of accounts you hold and the actions you take during divorce can impact your credit score.

Choosing A Credit Counselor

Living paycheck to paycheck? Worried about debt collectors? Can’t seem to develop a workable budget, let alone save money for retirement? If this sounds familiar, you may want to consider the services of a credit counselor. Many credit counseling organizations are nonprofit and work with you to solve your financial problems. But beware — just because an organization says it is “nonprofit” doesn’t guarantee that its services are free or affordable, or that its services are legitimate. In fact, some credit counseling organizations charge high fees, some of which may be hidden, or urge consumers to make “voluntary” contributions that cause them to fall deeper into debt.

Choosing A Credit Card: The Deal Is In The Disclosures

There are a lot of things to consider when choosing a credit card, from interest rates and fees to credit card terms and balance transfer offers. This article offers a detailed explanation of all the terms and terminology related to credit cards. It also provides resources that can help you choose a credit card wisely..

Choosing A Credit Card: Resources

Links to agencies that can help you access your credit report and FICO scores, opt out of pre-approved credit card offers and other direct mail, and get information about credit unions.


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.

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