CreditU 17+

Budgeting & Financial Literacy

American Consumer Credit Counseling, Inc

Designed for iPhone

    • 4.3 • 37 Ratings
    • Free
    • Offers In-App Purchases

iPhone Screenshots


Join thousands of satisfied users who have already transformed their financial future and lifted the burden of debt with CreditU, brought to you by American Consumer Credit Counseling, Inc. (ACCC).

Experience how you can efficiently manage your credit, reduce debt, and optimize budgeting with a trusted, user-friendly platform, anytime and anywhere. Whether you're looking to manage existing debt, or streamline your finances, CreditU is your trusted partner in navigating the complexities of personal finance.

Starting your journey toward a more secure and prosperous financial future is just a click away!

Why Choose CreditU? 

- Advanced Debt Analysis and Budgeting: Leverage our state-of-the-art algorithms to evaluate your debts and generate personalized, efficient budget plans specifically designed for you.
- Seamless Integration with Our Debt Management Plan (DMP): CreditU offers versatile tools that cater to both current participants and those considering our proven DMP. For those already enrolled, CreditU enables effortless management of your plan. Easily track your payments, adjust your budgets, and receive real-time updates directly through your mobile device. If you are not yet part of our DMP, CreditU provides essential insights and resources to help you understand and effectively manage your finances.
- Continuous Progress Monitoring: Watch your credit score improve and track your debt reduction progress. Celebrate each milestone and stay motivated with insightful updates. 
- Robust Security Measures: We prioritize your privacy and data security. Feel secure with our advanced encryption and strict privacy protocols.

Upgrade to CreditU Premium for an enhanced experience:

- Automate Your Budget: Eliminate the hassle of manually entering your financial information each month to keep track of your finances. Let us handle the heavy lifting while you enjoy a more streamlined experience.
- Daily Personalized Snacks Tailored by AI: Receive daily personalized content for your unique situation. Boost your financial knowledge with tailored educational materials designed to help you make informed financial decisions. 
- Set Unlimited Financial Goals: Upgrading to Premium grants you unlimited goal creation and expert guidance every step of the way. Whether it's saving for a vacation, buying a home, or achieving other financial aspirations, CreditU provides you with personalized steps that are both educational and actionable to help you reach your goals.
- Access to your Credit Score & Credit Factors: Beyond checking your credit score, CreditU offers valuable insights to help you understand and enhance your credit health. We provide personalized tips to improve your score and track your creditworthiness over time.
- Financial Calculators: Unlock access to additional calculators and simplify complex financial decisions. Whether you're planning your retirement, assessing home affordability, or saving for college, our calculators are designed to streamline a variety of financial scenarios.

Our full terms of service may be viewed online at

What’s New

Version 1.0.11

You asked, we delivered! Now offering free credit score monitoring in CreditU for all users. Stay informed, stay empowered.

Ratings and Reviews

4.3 out of 5
37 Ratings

37 Ratings

clcotugno ,

Love CreditU!

My professor mentioned he works for this not-for-profit in his “other life,” that deals with financial advice/help for people in need. He’s a total wealth of knowledge. I looked into ACCC where he works, and they have a great reputation, even better than he told us. CreditU is on my phone now! I only use apps for things like door-dash, and Uber so it’s a bit of a shock to see how much Credit U does. I think I’ve only scratched the surface with what it has to offer. I’m using the long term planning part. I talked to him after class about it. He mentioned that “your habits are your future” (he says that all the time, it’s an ethics class) and how Credit U is really a means to enforce habits that make a strong financial future. So far I love it!

Bronxville Hill ,

Very happy with Credit U

Randy Vera guided me through this, he was wonderful! I don't want any of my private data, AT ALL, anywhere! Randy showed me I can enter the anoints of my accounts without sharing the account numbers. We spent a considerable amount of time setting up all of my financials. I understand everything is safe and secure and Credit U has the type of encryption that Banks use because they deal with banks all day, but I really want none of my info anywhere as my friend was scammed. Thanks Randy! Thanks Credit U! I love this app because I can check on my goals like a diet app!

Spidermn3 ,

Love the app - works wonderfully

One of my friend’s professors turned him onto this great app… then mention how budgeting and saving become habits when you use the app.

My mother in law’s spending and debt has gotten out of control. we have tried everything to get her on a budget and understanding her limitations. I started her in this app and things are improving fast and she send to be getting it now and staying on track thanks to at the app. Great product all around.

App Privacy

The developer, American Consumer Credit Counseling, Inc, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • Contacts
  • Identifiers

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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