Advantage Credit Counseling Service, Inc. (ACCS) and Consumer Credit Counseling Service (CCCS) are national non-profit 501(c)3 organizations that have been successfully assisting consumers with financial debt for over 40 years by providing expert credit counseling and our debt management program.We are accredited by the Council on Accreditation (COA) and are members of the Better Business Bureau (BBB). Advantage Credit Counseling has been designated a certified comprehensive housing counseling agency by the U.S. Department of Housing and Urban Development (HUD). The agency is also a member of the National Foundation for Credit Counseling (NFCC), the umbrella association for over 150 credit counseling agencies nationwide.