Jun 24, 2025
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 working with a nonprofit credit counseling agency like American Consumer Credit Counseling (ACCC). A structured approach, such as a Debt…
Read moreJun 17, 2025
What Should Couples Know About Credit, Debt & Mortgages When Buying a Home?
When buying a home as a couple, your credit scores, income, and existing debt all play a major role in mortgage approval and loan terms. Lenders review each person’s credit separately, use the lower score for qualification, and consider your combined debt-to-income ratio if applying jointly. How to Financially Prepare for Buying a Home Together Whether you’re applying for a…
Read moreJun 11, 2025
Affordable Ways to Celebrate Juneteenth Without Going Into Debt
Juneteenth, celebrated on June 19th, marks the day in 1865 when enslaved African Americans in Galveston, Texas, were finally informed of their freedom, more than two years after the Emancipation Proclamation was signed. This pivotal moment in history is a celebration of freedom, resilience, and cultural heritage. Whether you’re honoring Juneteenth through reflection, community engagement, or cultural expression, remember: meaningful…
Read moreJun 5, 2025
Budget Friendly Father’s Day Activities
Did you know that, according to the National Retail Federation’s 2025 Father’s Day Spending Survey, Americans are expected to spend $24 billion on Father’s Day this year? The survey also revealed that the top three gifts for dads are greeting cards, clothing, and special outings. This trend highlights the value of heartfelt gestures, practical gifts, and quality experiences. A budget…
Read moreJun 4, 2025
Credit Card Debt & Self-Care Balance
Are you feeling the strain of summer expenses? You’re not alone. It can be challenging to maintain both mental and financial wellness, especially during a season filled with vacations, barbecues, and social pressures to spend. Therefore, you are more likely to lean on credit cards to cover up your expenses. So, how can you strike a balance between credit card…
Read moreMay 28, 2025
What To Expect From A Debt Management Plan
In 2024, American Consumer Credit Counseling clients paid off around $191,257,429.83 in debt! Debt Management Plans help people regain control of their financial lives by consolidating their debts into a single, manageable monthly payment. Here’s what you can expect when you enroll in a Debt Management Plan (DMP) with American Consumer Credit Counseling (ACCC). What to Expect from a Debt…
Read moreMay 21, 2025
Non-Profit vs. For-Profit Debt Relief
Did you know household debt has jumped to 18 trillion dollars according to the Household Debt and Credit Report (Q1 2025) from the Federal Reserve Bank of New York? Many Americans are searching for debt relief, but when it comes to non-profit or for-profit, do you know the difference between them? Or that the type of organization you choose for…
Read moreMay 20, 2025
How to Choose a Credit Counseling Agency
Many Americans feel overwhelmed or unable to catch up financially due to the current economic uncertainty. The National Foundation for Credit Counseling (NFCC) released a survey called “The 2025 Financial Literacy and Preparedness Survey,” conducted by the Harris Poll. The survey said that 57% of Americans are finding it hard to deal with their debt, given our current economic climate.…
Read moreMay 16, 2025
How to Choose a Credit Counseling Agency
Many Americans feel overwhelmed or unable to catch up financially due to the current landscape of economic uncertainty. National Foundation for Credit Counseling (NFCC) released a survey called “the 2025 Financial Literacy and Preparedness Survey,” that was conducted by the Harris Poll. The survey said that 57% of Americans are finding it hard to deal with their debt given our…
Read more