# CreditU — user reviews > 426 indexed App Store user reviews of CreditU by American Consumer Credit Counseling, Inc, rated 4.90/5 from 991 ratings. - Source: https://appshunter.io/ios/app/creditu/id1663259146/reviews - App overview in markdown: https://appshunter.io/ios/app/creditu/id1663259146.md - Rating breakdown: 5★ 953 · 4★ 17 · 3★ 2 · 2★ 5 · 1★ 14 ## What do users think of CreditU? Overall sentiment: positive **Pros** - 🚀 Game changer - 👍 Outstanding Support - 👍 Life Savers - 👍 Great Experience - 👍 Helping me take my life back - 👍 Impressed so far - 👍 Kind and patient - 👍 Great costumer service - 👍 Joaquin was very helpful and informative - 👍 Janie was a huge help - 👍 Stress reliever - 👍 Excellent - 👍 Amazing - 👍 Customer Service - 👍 Excellent Customer Service - 👍 Very helpful & understanding - 👍 Amazing service, Great People - 👍 Great help - 👍 Kim was great! - 👍 Great Service - 👍 Amazing Customer Experience - 👍 Helpful! - 👍 great program & customer service - 👍 They hire angels - 👍 Excellent Customer Service - 👍 So helpful - 👍 Great support - 👍 They gave me hope and a fresh start - 👍 Great company & staff! - 👍 Watch out for Marly! - 👍 Thanks - 👍 Excellent! - 👍 Great customer service! - 👍 Amazing customer service - 👍 Life saving - 👍 Great service! - 👍 Highly recommended - 👍 Made a bad situation better - 👍 ACCC is so helpful! - 👍 Excellent - 👍 So Far So Good - 👍 A godsend - 👍 Adding creditors. - 👍 Excelente servicio, la app es de gran ayuda - 👍 Great Service - 👍 Awesome!!! - 👍 Life changing! - 👍 Love the app - works wonderfully - 👍 Nice app for financial literacy. - 👍 Awesome - 👍 Love CreditU! - 👍 Very happy with Credit U - 👍 Great Experience - 👍 Hugely helpful, thank you! - 👍 Great app and took care of problem very quickly - 👍 Way easy to use! **Cons** - 🐛 Lame - 🐛 Horrible **Commonly reported bugs** - Can't login - Can't set up app **Most requested features** - Dark mode option - Advanced analytics dashboard ## Newest reviews (19 of 426) ### 3/5 — Not all features of the upper functional *2026-07-26, version 1.0.20* There is a star program and it’s not even functional. You can still do your budget, but there’s supposed to be educational content and it’s not even there. ### 5/5 — AJ was great *2026-03-11, version 1.0.17* AJ provided great customer service and actually recalled a previous conversation we had. He helped me quickly and efficiently. ### 2/5 — Jay *2026-03-06, version 1.0.17* Although I am thankful for this company! This customer service representative Jay has been very disrespectful and talking over me and not helpful, she wanted to push her agenda, instead of listening to me! It’s frustrating when you give your money and individuals are not understanding of your situation. ### 5/5 — I love ACCC *2026-03-04, version 1.0.17* They’re so convenient and understanding and Knowledgeable when it comes to your case.I’ve been using them since 2021.I’m almost finished paying everything off.That’s amazing.I’m so glad I went with them.They know what they are doing.I love working with me.They are truly amazing. ### 5/5 — Excellent service *2026-03-02, version 1.0.17* I worked with AJ to discuss my current situation. He has attentive, and compassionate about my concerns. ### 5/5 — AJ to the rescue *2026-02-18, version 1.0.17* So, it took two phone calls to ACCC to get my problem resolved, and it was AJ who did it. He got to the bottom of why I was receiving communiques from one of my creditors requesting additional funds. It took two 3-way calls, but he did it! I am so grateful to him and ACCC. I would and have recommended them to anyone in need of credit counseling! ### 5/5 — Appreciative client *2026-02-14, version 1.0.17* At first, I was unsure about the legitimacy of ACCC, but Beth and Bailey made the process easy to understand and guided me every step of the way. My creditor acknowledged the Debt Management Plan, and everything has worked out smoothly. Both Beth and Bailey were professional, patient, and incredibly helpful—answering all my questions and making the experience stress-free. I truly appreciate their support and would highly recommend ACCC to anyone seeking assistance. They are approved by the NFCC and have a great rating with BBA! ### 5/5 — Review of service from Mr Arthur *2026-02-09, version 1.0.17* Excellent service took time to answer questions ### 5/5 — Debt *2026-01-23, version 1.0.16* Best ### 5/5 — Relief and organized *2026-01-15* I was skeptical of ACCC at first because it seems like most companies are out to make a profit off of the hardship of others, but this has NOT been my experience with ACCC at all. They were able to consolidate my credit cards at significantly lower interest rates and specifically Joaquin was very kind and patient when helping me through the process. The app is also very convenient to use and I can watch my progress and monitor my accounts easily at any time. Would definitely recommend this to anyone going through a hard time. **Developer response:** Thank you so much for taking the time to share this thoughtful review. We truly appreciate your honesty and are grateful that we were able to exceed your expectations. Helping clients consolidate debt at lower interest rates and providing compassionate, judgment-free support is exactly what we strive for. Joaquin will be so happy to hear that his patience and kindness made a difference for you. We’re also glad to hear you’re finding the app convenient and helpful for tracking your progress. Thank you for trusting ACCC and for recommending us to others—we’re honored to support you during this time. ### 5/5 — Excellent service *2026-01-15, version 1.0.16* Every time I’ve talked to anybody at the organization, I’ve always been helped out. I’ve always felt like they’ve known my side of the story and they feel the need in the passion to give me to a position where I’ll be a better place in my life I’ve talked to Joaquin. The past couple times and he’s been phenomenal. I appreciate his help and I think that you should have more people like that there if you already don’t. ### 5/5 — Excellent Customer Support *2026-01-15, version 1.0.16* Spoke with Bill today. Had an u expected to expense and making this month’s payment would really stretch me this week. Bill, first of all, reminded me that “life happens” and walked me through my options for the month. He was very pleasant and I left the call feeling relieved. ### 5/5 — Agent help *2026-01-13, version 1.0.16* Jonquin was more than helpful and made me feel comfortable and confident! Still a little nervous. ### 5/5 — Representative Joaquin *2026-01-13, version 1.0.16* Amazing!!! Took the time to listen and help me out of a mess I made for myself. Plus help me to get my credit report fixed. Thank you!! ### 5/5 — Great Program *2026-01-06, version 1.0.16* Joaquín at ACCC was very helpful and friendly. He fixed my issue right away and was very thorough. Appreciate the great customer service. ### 5/5 — Positive experience *2025-12-19, version 1.0.16* Thank you to Kim for answering my questions on my account. She was very helpful and positive . I love this program!!! Would recommend to anyone trying to pay off credit card debt… ### 5/5 — They have the best customer service *2025-12-19, version 1.0.16* I’ve been assisted by JoJo and Joaquin they were very helpful and informative! ### 5/5 — Great service *2025-12-19, version 1.0.16* Jojo was the best !!! He was very pacient with me . Resolve what I need ! Thank youuu ### 5/5 — Great program!! *2025-12-19* Great program!! I was just paying the minimum payments on $30,000 debt just to keep my credit in good standing. Since I joined the program 2 years ago I am down to $17,500 debt with a much lower payment. This program has saved me. The customer service is great too!! Janie in customer service was very helpful and friendly. She helped me with an issue I had (a mistake I made, I forgot I changed banks to take my payment). I would recommend this program to anyone wanting to get their credit back on track and wanting to get out of debt quicker!! **Developer response:** Thank you for the 5-star review and for sharing your journey! It’s incredible to hear how much progress you’ve made in improving your credit health and reducing debt. We’re glad Janie and our customer service team were able to help along the way. Your recommendation means a lot to us! ## Most critical reviews (10 lowest-rated) ### 1/5 — Lame *2025-03-27, version 1.0.14* For those of us that actually use American credit council services. We need to be able to view our online balance with ACCC and have the ability to make changes to autopay. This app does not do any of that it’s just another basic budgeting app. ### 1/5 — Horrible *2024-10-14, version 1.0.14* Terrible interface and user experience. And having to pay for tech that looks like it came from MySpace era is crazy under the guise of helping ### 1/5 — Can’t Login *2024-03-02, version 1.0.6* I keep trying to login using my account info. It says my password is incorrect and when I try to reset my password nothing happens. Also, when I try to verify my email the link I receive just takes me to the website prompting me to download the app. No option to verify email address. ### 1/5 — Huh? *2024-02-02* For all of the emails and reminders I’ve gotten for this app, it’s incredibly disappointing. Why am I going through and answering questions about me? I already have an account on the website. I just want to log in and see my info. This is awful and seemingly had zero thought put into it. **Developer response:** We're sorry your initial impressions of the app did not meet your expectations. The goal of the app is to be able to assist both consumers that do not have a relationship with us, as well as provide support and education for our current clients. We understand your frustration, but can assure you we are working towards providing our current clients access to their account in a future version. If you'd like to reach out to us directly, please email creditusupport@consumercredit.com. ### 1/5 — So disappointed *2024-02-02, version 1.0.3* I tried to sign up but it kept giving me an error ### 1/5 — Doesn’t work from the start *2024-02-01* Put in email address, says it to click link in confirmation email. Do that and it takes you to a page to download the app (only option), which I’ve already done. No way out of the loop. No way to set up a password. Do not pass go, do not collect $200. Tried several times. Can’t get past this. In reply to the developer response, no it was not done on a separate device. All on my phone. **Developer response:** We're sorry that our initial response did not solve the issue you're having.. We take all feedback seriously and will use it as we strive to bring our users the best possible experience. We'd be happy to assist you personally. Please email creditusupport@consumercredit.com and we will reach out. ### 1/5 — Can’t set up app *2024-01-30, version 1.0.3* This might be a fantastic app but I will never know. It gets to the second question of the tell us about your household section then tells me I am no longer connected to the internet. Each time I try it tells me the same thing even though my laptop, television, and all other functions on my phone are connected to the internet and working properly. ### 1/5 — Doesn’t work from the start *2024-01-29* Put in email address, says it to click link in confirmation email. Do that and it takes you to a page to download the app (only option), which I’ve already done. No way out of the loop. No way to set up a password. Do not pass go, do not collect $200. Tried several times. Can’t get past this. **Developer response:** We're sorry that the initial onboarding did not go as planned. We take all feedback seriously and will use it as we strive to bring our users the best possible experience. We suspect that you are trying to verify the email on a separate device than the device you are using the app. We'd be happy to assist you personally. Please email creditusupport@consumercredit.com and we will reach out. ### 1/5 — Already charged me 12.99 and it’s way before free trial was over *2024-01-14* I signed up for premium version but read that I got one month free. I just signed up Tuesday so to my surprise I log into my bank account and there’s a pending charge for 12.99 already. I wasn’t suppose to be charged til February 9th. Where’s my free month?? I didn’t even get a week free… Already reported the problem to Apple and better get a refund. Definitely not a great way to start out a new app.:( **Developer response:** We sincerely apologize for the inconvenience you've encountered. We have already remedied this issue, and this won’t happen again. To help us better assist you, please reach out to us directly at CreditUSupport@consumercredit.com, and we will be happy to offer you a full refund. ### 2/5 — Bank linking *2026-06-11, version 1.0.20* Can’t seem to link banks at all just wants me to manually enter everything ## Most praised reviews (10 highest-rated) ### 5/5 — Helpful *2026-04-24, version 1.0.18* very ### 5/5 — Grateful for the support *2026-04-22* 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. **Developer response:** Thank you so much for sharing your experience and congratulations on completing your program! 🎉 We’re thrilled to hear that both of your accounts have now been paid in full and that the transition of payments between accounts helped you finish earlier than expected. At American Consumer Credit Counseling, we understand that staying committed to a long-term financial goal takes dedication, and we’re honored to have been part of your journey over the past five years. We’re also glad our team was able to provide flexibility and support along the way when life circumstances came up. Thank you again for trusting us to help you work toward your financial goals. We wish you continued success moving forward! ### 5/5 — Arthur from ACCC *2026-04-15, version 1.0.18* Arthur was very helpful and shared great insight for my situation. He was also very kind to speak with. ### 5/5 — Incredible program *2026-04-12, version 1.0.18* 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! ### 5/5 — Accurate, Proactive Assistance *2026-04-06, version 1.0.18* 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. ### 5/5 — Incredibly helpful *2026-03-31, version 1.0.18* ACCC was instrumental in helping me get my debt under control. It would’ve been significantly more difficult without them. ### 5/5 — So helpful & kind *2026-03-26, version 1.0.17* 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 ### 5/5 — Customer Service *2026-03-21, version 1.0.17* 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. ### 5/5 — Gratitude for ACCC - Shoutout to Arthur aka AJ *2026-03-16, version 1.0.17* 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! ### 5/5 — Thanks Arthur *2026-03-13, version 1.0.17* 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. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-02.*