Reviews of CreditU

By: American Consumer Credit Counseling, Inc

List of user reviews and ratings for CreditU

Total ratings

4.90 (Rating count: 984)

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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: 5.00

All time rating average: 4.90

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Date	Author	Comment
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.
2026-04-15	Ca*****	Arthur was very helpful and shared great insight for my situation. He was also very kind to speak with.
Arthur was very helpful and shared great insight for my situation. He was also very kind to speak with.
2026-04-12	Mk*****	This program and app have saved my financial life! Due to life being life I became completely overrun with credit card debt and could not get out. This has made it so I can regain my life!
This program and app have saved my financial life! Due to life being life I became completely overrun with credit card debt and could not get out. This has made it so I can regain my life!
2026-04-06	Ne*****	I unexpectedly had to reschedule the start of my program. Arthur patiently explained my options, promptly implemented my preferred start date, and updated my account dashboard.
I unexpectedly had to reschedule the start of my program. Arthur patiently explained my options, promptly implemented my preferred start date, and updated my account dashboard.
2026-03-31	Dj*****	ACCC was instrumental in helping me get my debt under control. It would’ve been significantly more difficult without them.
ACCC was instrumental in helping me get my debt under control. It would’ve been significantly more difficult without them.
2026-03-26	Ch*****	AJ & Jamie are wonderful! I’m so thankful that this process of paying off my debt is smooth. A lot smoother than if I did it myself!! Definitely recommend
AJ & Jamie are wonderful! I’m so thankful that this process of paying off my debt is smooth. A lot smoother than if I did it myself!! Definitely recommend
2026-03-21	Bi*****	Kim and AJ were wonderful. They answered all of my questions in a way that was easy to understand and made the entire process feel comfortable and stress-free. This is the second time I’ve used this service, and each time the experience has been consistently positive—everyone I’ve worked with has been incredibly helpful and kind. I would highly recommend this service to anyone who is looking for support in getting out of debt.
Kim and AJ were wonderful. They answered all of my questions in a way that was easy to understand and made the entire process feel comfortable and stress-free. This is the second time I’ve used this service, and each time the experience has been consistently positive—everyone I’ve worked with has been incredibly helpful and kind. I would highly recommend this service to anyone who is looking for support in getting out of debt.
2026-03-16	Ki*****	Hello, who ever is in credit card debt, I recommend ACCC. They negotiated that high rate from Chase to 10%. I was able to breathe. Now that my debt’s paid off, I feel great, and thrilled to worked with ACCC!
Hello, who ever is in credit card debt, I recommend ACCC. They negotiated that high rate from Chase to 10%. I was able to breathe. Now that my debt’s paid off, I feel great, and thrilled to worked with ACCC!
2026-03-13	Pa*****	As usual, another great interaction. Arthur was eager to help me this morning and I appreciate him explaining everything out to me. Grateful that I enrolled. There is light at the end of this financial tunnel.
As usual, another great interaction. Arthur was eager to help me this morning and I appreciate him explaining everything out to me. Grateful that I enrolled. There is light at the end of this financial tunnel.