American Consumer Credit Counseling (ACCC) is a nonprofit organization providing free credit counseling, debt management programs, and financial education to help consumers manage credit card debt.
Data compiled from public sources · Google rating shown when a stored review count is available
American Consumer Credit Counseling (ACCC) has operated as a nonprofit organization since 1991, dedicated to helping consumers manage debt and improve financial literacy. The organization is certified to operate in all 50 states and maintains multiple physical locations, including their Fort Worth, TX office at 702 Houston St. ACCC's mission focuses on providing accessible financial guidance to individuals and families struggling with credit card debt and related financial stress.
ACCC offers several core services including personalized debt management programs, credit counseling sessions, and financial education resources. Consumers can access these services through three primary channels: phone counseling with experienced counselors, online self-directed counseling, and in-person appointments (by appointment only, Monday-Friday 9am-3pm). The organization also provides a mobile app called CreditU designed to help clients track and manage their personal finances. Their Fort Worth location serves the Texas community, where the average resident carries approximately $6,753 in credit card debt.
ACCC distinguishes itself through its nonprofit status, long operational history since 1991, and multi-channel service delivery model. The organization emphasizes personalized counseling from trained and certified professionals rather than automated solutions. Their debt management programs typically aim to help clients pay off debt within five years, and they offer free initial credit counseling sessions to prospective clients. The organization maintains separate client login portals for different service types (Debt Management Program, Pre-Bankruptcy, Post-Bankruptcy), indicating structured program management.
As a legitimate nonprofit credit counseling organization, ACCC appears well-established and listed about its services and contact information. However, consumers should note that while initial counseling is free, enrollment in debt management programs likely involves ongoing fees or creditor-negotiated payment plans. The organization's effectiveness depends on individual financial circumstances and commitment to the program, and results may vary based on creditor cooperation and the consumer's specific debt situation.
When evaluating options, consumers should compare debt consolidation loans, which combine multiple debts into a single fixed-rate payment. Credit counseling through nonprofit agencies offers free budgeting help. For those whose credit has been damaged, credit repair services can address inaccurate negative items. Nonprofit counselors can help consumers evaluate whether an installment loan for debt consolidation makes sense given their income and existing obligations.
This is state-level context for Free Help consumers in Fort Worth, TX. It does not confirm that PRoLine Credit Solutions or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
PRoLine Credit Solutions offers 12 services including Free credit counseling sessions, Personalized debt management programs, Phone-based counseling with trained counselors, Online self-directed counseling, In-person counseling by appointment, and 7 more.
PRoLine Credit Solutions has profile signals associated with Consumers with significant credit card debt seeking structured debt management solutions, Individuals preferring nonprofit guidance over for-profit debt relief companies, People needing flexible counseling options (phone, online, or in-person appointments), Texas residents looking for locally-based nonprofit credit counseling services.
Key strengths: Nonprofit organization operating since 1991 with listed credibility context and long track record; Offers free initial credit counseling sessions before any financial commitment; Multiple service channels: phone counseling, online counseling, and in-person appointments for flexibility. Areas to consider: In-person counseling limited to appointment-only basis with restricted hours (Mon-Fri 9am-3pm); Website does not clearly disclose fee structure for debt management program enrollment.
In the Free Help category, comparable providers include Credit City, Diamond Debt Relief, Optimum Credit Solutions - Fix Your Credit Scores. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
ACCC is profile signals for consumers with moderate-to-significant credit card debt who want nonprofit, counselor-guided debt management with structured payoff timelines. Primary caveat: program success requires creditor cooperation and client commitment to the payment plan, and ongoing fees apply after the initial free counseling session.
Credit City offers credit repair services targeting personal credit improvement, business credit building, and business funding solutions based on consumer research.
Google rating from 98 reviews
Profile signals: Consumers with poor credit scores seeking to improve creditworthiness for major purchases, Small business owners looking to build business credit separately from personal credit
Diamond Debt Relief negotiates settlements with creditors to reduce debt balances. They claim to help clients reduce debt by up to 60% through affiliated debt resolution programs.
Google rating from 3 reviews
Profile signals: Consumers with $10,000-$250,000+ in credit card or personal loan debt willing to pause payments during negotiation, Those seeking to reduce debt through settlement rather than consolidation loans
Review this provider profile and compare source-linked details before choosing what to do next.
Google rating from 61 reviews
Profile signals: Consumers in Euless, Texas looking for credit repair services, People who prefer working with a local credit repair provider
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to PRoLine Credit Solutions and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.