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

Bankruptcy

Pre-Bankruptcy Client

Post-Bankruptcy Client

Not yet a client, but looking to get started?

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.

Get Started

Wait!

You are now leaving the Consumer Credit website and are going to a website that is not operated by ACCC. We are not responsible for the content or availability of linked sites.

Are you sure you want to leave?

No, return me to the previous page.

Yes

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.

Articles

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.

Dev Tool:

Request: debt-resources-tools/credit/credit-improvement
Matched Rewrite Rule: debt-resources-tools/([^/]+)/([^/]+)/?$
Matched Rewrite Query: debt_resources_category=credit-improvement
Loaded Template: taxonomy-debt_resources_category.php