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{Credit counseling became a reality in 1951 and more available to local folks by 1960. It wasn’t until 1993 that the AICCCA (Association of Independent Consumer Credit Counseling Agencies) was born to facilitate improved standards and ethics. Today, credit counseling is a necessity, and you know that you need it.|Credit counseling is not something someone just thought up in a secluded room someday and then imposed on the general public. It is a reality that is founded on the many unfair realities of the past – facts about how people fail in repaying credit that they owe to creditors and banks. Credit counseling has thrived because it works.|The Association of Independent Consumer Credit Counseling Agencies, or AICCCA as most Americans know it, came into being late in the twentieth century. In simple terms, it was the evolution of credit counseling since when it was born close to half a century before. Today, credit counseling in the country has improved much because of it.}
{The AICCCA – the Association of Independent Consumer Credit Counseling Agencies – came into being in 1993 to create an avenue for elevated industry-wide standards of excellence and ethical conduct amongst credit counselors. This is something the National Foundation for Credit Counseling had attempted years before but had not quite achieved.|The NFCC and the AICCCA are the National Foundation for Credit Counseling and the Association of Independent Consumer Credit Counseling Agencies respectively. Together they have come a long way in America to find a solution to the incessant problems that Americans continually have with the handling of credit and credit facilities.}
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