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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Resources & Tools

Understanding Credit Reports

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Credit reports might seem really complicated.

So let’s make them uncomplicated.

There are 6 key sections of a credit report:

  • Personal information like your social security number and addresses
  • Summary of your credit information
  • Negative information from courts or collection agencies
  • Trades: a current record of your accounts
  • Hard inquiries made for your credit report
  • Creditor’s contact information

Now let’s answer some frequently asked questions.

Visit annualcreditreport.com to get a free copy of your credit report every 12 months from Equifax, Experian and TransUnion.

The term high credit may seem odd, but it just means the highest amount that has been charged to an account.

The little boxes you see in the Trades section indicate if you have any late payments and shows how late they were.

If you see an error on your credit report, contact the credit reporting company immediately to start the process.

Credit scores don’t appear on your credit report. There are a few free sources, but most of the time you need to buy your scores or access them through another service.

Want to see a sample credit report? Visit ConsumerCredit.com, click on Financial Education and then Credit.


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