Reviews of CreditU

By: American Consumer Credit Counseling, Inc

List of user reviews and ratings for CreditU

Total ratings

4.90 (Rating count: 987)

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Review summary

Users consistently praise CreditU for compassionate, responsive support and real debt relief—lower interest rates, payoff progress, and debt consolidation. The program's flexibility and an easy-to-use app are major positives. Credibility is reinforced by NFCC approval and solid ratings. A minority note initial skepticism about legitimacy, but overall experiences are highly positive with many reporting life-changing financial improvements and a smooth, stress-free process.

Pros

Excellent, empathetic customer service from staff across the team (e.g., Arthur, Joaquin, JoJo, Kim, AJ) who are described as patient and supportive
Tangible debt relief: accounts paid off, lower interest rates through debt management, and overall payoff progress
High flexibility: easy to reschedule start dates and adjust payment dates to fit life events
Convenient app and dashboard for monitoring progress and keeping on track
Strong credibility: NFCC-approved with positive industry ratings

Cons

Some reviewers mention initial skepticism about the company's legitimacy, though trust is quickly established

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User Reviews

Recent rating average: 4.70

All time rating average: 4.90

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Date	Author	Comment
2026-06-11	Pi*****	Can’t seem to link banks at all just wants me to manually enter everything
Can’t seem to link banks at all just wants me to manually enter everything
2026-04-24	ne*****	very
very
2026-04-22	Wr*****	I enrolled in a program 5 years ago to pay off two credit card accounts. After getting off the phone with ACCC, it has been confirmed that both accounts have been paid off in full. When one account was paid off in January, I continued making the same payments, and it was seamlessly then all applied to the second account, resulting in a pay off two months earlier than expected. I am so relieved to have completed the program and also feel grateful for the flexibility that they had on the rare occasion that I had to switch a payment date by a few days throughout the years.
I enrolled in a program 5 years ago to pay off two credit card accounts. After getting off the phone with ACCC, it has been confirmed that both accounts have been paid off in full. When one account was paid off in January, I continued making the same payments, and it was seamlessly then all applied to the second account, resulting in a pay off two months earlier than expected. I am so relieved to have completed the program and also feel grateful for the flexibility that they had on the rare occasion that I had to switch a payment date by a few days throughout the years.