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

What Is My Credit Usage Ratio

Most people know that a good credit score is determined by paying bills on time and not acquiring too much credit card debt. If you are looking for debt relief, it is important to know your credit usage ratio, also known as credit utilization, because it also has a significant impact on your credit score and credit worthiness. A credit usage ratio is an accurate representation of how someone uses credit and how disciplined they are. It compares the total amount you owe on all of your credit card accounts to your total available credit limit. Credit advisors recommend that a credit usage ratio of less than 35% is a healthy amount. Watch this video to learn how to calculate your credit usage ratio to give you a clearer sense of your financial situation.

Take the total amount you owe on all credit card accounts.
$1,500 + $4,200 + $800 = $6,500

Then take your total available credit limit:
$15,000 + $10,000 + $10,000 = $35,000

Go back to your total amount owed and divide by your total available limit:
$6,500 / $35,000 = .185

Move the decimal 2 spots to the right. And you get 18.5%

A credit usage ratio of less than 50% is considered a healthy amount.
Your credit usage ratio is one of the factors used to calculate your credit score.

So yeah… it’s good to know.

ACCC provides links to other services but does not endorse non-ACCC websites or validate their content.

Dev Tool:

Request: debt-resources-tools/videos/informational-videos/what-is-my-credit-usage-ratio
Matched Rewrite Rule: debt-resources-tools/([^/]+)/([^/]+)/([^/]+)/?$
Matched Rewrite Query: debt_resources_category=videos/informational-videos&debt-resources=what-is-my-credit-usage-ratio
Loaded Template: single-debt-resources.php