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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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A blue clipboard with Debt Management Plan typed on to the paper clipped to it.

Debt Management Plans – What To Expect

Key Takeaways Consolidated Payments: Debt management plans simplify the process of managing unsecured debts, by consolidating various debts into a single monthly payment, reducing the risk of missed payments. Personalized Assessment: A debt management plan (DMP) begins with a detailed … Read More »

A woman holding credit cards contemplating How Can I Manage Debt When I Don’t Know Where to Start?

How Can I Manage Debt When I Don’t Know Where to Start?

If you’re overwhelmed by debt and don’t know where to start, begin by gathering all your financial information, including your income, expenses, and debts. Then create a simple monthly budget, prioritize your highest-interest debts, and start building a small emergency … Read More »

black woman holding up a credit card, in front of her laptop while looking shocked.

How Can I Lower My Credit Card Interest Without Hurting My Credit Score?

You can lower your credit card interest without hurting your credit score by negotiating a reduced interest rate with your credit card company, making extra payments, which allows you to reduce your balance sooner and pay less interest overall, or … Read More »

Key Terms You Need to Know to Manage Your Financial Health

Managing your finances is crucial for improving your quality of life. By understanding key financial terms, you can make informed decisions to improve your financial health and reach your financial goals. Here are some essential terms to know: Budget A … Read More »

Kickoff Your Credit Goals: Understanding Your Credit Score

65% percent of Americans were thinking about having a financial resolution this year according to Fidelity’s 2025 New Year’s Financial Resolutions Study. Although saving more money seemed to be the most popular financial resolution, we here at American Consumer Credit … Read More »

Financial Wellness Series: Understanding Your Credit Report

Kicking off the financial wellness series, it’s important to understand how crucial your credit report is to your financial wellness. Your credit report serves as a detailed record of your credit history, impacting everything from your ability to secure loans … Read More »

This Halloween, as you indulge in trick-or-treating, remember that the sweetest treat you can give yourself is the gift of financial education. By understanding and improving your credit score, you’re not just safeguarding your financial future—you’re empowering yourself to achieve greater financial freedom.

Trick or Treat! Treat Yourself to Financial Education on How To Improve Your Credit Score

Halloween offers a delightful mix of tricks and treats. While the spooky season is a time for fun and festivities, it’s also a perfect opportunity to reflect on something that often haunts many of us year-round: our credit scores. Just … Read More »

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Say goodbye to the burden of debt

Struggling to manage your debt and improve your financial health is a thing of the past with the CreditU mobile app, an essential tool for anyone looking to manage their personal finances with ease.

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