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

Cost Of Credit Calculator

Some people use credit to pay for everything from everyday purchases like groceries and meals to large purchases like vacations and big ticket items. No matter what you use credit to buy, it’s important that you use it responsibly so you don’t run into credit problems such as missing payments, overspending, or having a high credit usage ratio (to learn how to calculate your credit usage ratio, watch this quick video). Having strong credit management skills and knowledge is important to maintain a positive credit report and score which can impact your ability to buy or rent a home and obtain a job you are otherwise qualified for.

Now that you know exactly how much your purchases on credit are truly costing with interest rates and planned monthly payments factored in, you have a clearer sense of how you personally use credit. If you are looking to improve your credit management skills, checkout ACCC’s educational credit materials on everything from understanding credit reports to how to write a credit report dispute letter and a list of the 20 steps to financial health. For more tips on how to manage credit and how to reduce debt, check out the credit section on the Talking Cents blog here.


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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