Working to create a brighter financial future for hard-working and underrepresented consumers.

We’re leading an effort that will ensure a more accurate and equitable consumer credit system, which will provide all Americans increased access to financial markets.

about us

The American Association of Consumer Credit Professionals (AACCP) serves as a unifying voice for the consumer credit reporting advocacy industry in Washington, D.C. and legislatures across the United States. AACCP members serve as a trusted resource that consumers utilize to understand and navigate the complex credit reporting ecosystem, in which an estimated 1 in 5 credit reports contains an error, whether at the hands of abusive debt collectors, careless record keepers or opportunistic identity thieves. 

One in five consumers had an error that was corrected by a Credit Reporting Agency after it was disputed.

– Slightly more than one in 10 consumers saw a change in their credit score after errors were modified.

– In an FTC-conducted study, 35% of participants planned to abandon their disputes with the credit agency after inaction.

– 43.4 million Americans have a credit score of 599 or less.

– 44% of Americans have a FICO score below 700.

– On a $200,000 mortgage, someone with a credit score of 620-639 will pay 1.59% more interest than someone with a score of 760-850, equaling out to an extra $68,126.00 over 30 years.

– Ensuring a federal regulatory approach that facilitates innovation in the credit repair marketplace as well as protecting consumers and the integrity of the credit reporting system.

– AACCP Members are leaders in the industry and implement Best Practices to adhere to more stringent regulatory standards.