Financial Counseling

Accel Members Financial Counseling

Elevations Credit Union offers comprehensive and confidential financial counseling for you and your family through Accel Members Financial Counseling. Please feel free to contact Accel for immediate help with any financial questions. A free appointment can be scheduled for members with questions or concerns that need additional time on the phone, or require a worksheet and action plan.

Accel financial counselors, all of which are certified and have a bachelor's degree or higher, are available during the following hours:

Hours (MST) Contact

Monday - Thursday, 6:00 a.m. to 10:00 p.m. 1.877.332.ACCEL (1.877.332.2235)
Friday, 6:00 a.m. to 5:00 p.m.
Saturday, 7:00 a.m. to 11:00 a.m.

Accel Can Help You Reach for Your Financial Goals

  • Free Financial Counseling Sessions
    Personal and family budgeting sessions focused on your concerns and needs including a detailed worksheet and action plan.
  • Credit Reports and Credit Scores
    Free analysis of your credit report and score. Request your free annual credit reports at and send them to Accel before your session, or Accel can provide you with copies of your report and score for a nominal fee.
  • Debt Management Plans
    Accel will contact your creditors to negotiate concessions and/or work out loan payment agreements including lower interest rates, elimination of fees and collection activities.
  • Housing Counseling
    Help with everything from pre-purchase education to foreclosure prevention. All Accel counselors are HUD certified. Ask about receiving a HUD certificate that is often required for First Time Home Buyer programs.

Free Resources

Accel Members Finacial Counseling is a separate company from Elevations Credit Union. The Credit Union does not guarantee the services offered by Accel.​​

Credit Reports

Paying your bills on time is the most important thing you can do to maintain a good credit score. It is also important to monitor your credit report regularly to check it for accuracy. An inaccurate credit report can hurt your chances of getting loans, and can increase your payments when you do obtain loans.

What is a credit report?

Your credit report provides a record of how you have used credit. Credit bureaus must adhere to the Fair and Accurate Credit Transactions Act (FACT Act) established by the Federal Trade Commission (FTC). This Act gives them the right to gather information about individuals as it relates to their eligibility for credit, insurance, or employment. The information can then be provided to creditors, insurance companies, employers, or anyone who has a legitimate business oriented need for the information.

How do I obtain my credit report?

There are three major credit bureaus, Equifax, TransUnion and Experian. These bureaus acquire credit data from creditors such as lenders, credit card companies and retail establishments. They also search court records for lawsuits, judgments and bankruptcy filings.

Under the FACT Act, you are entitled to one free credit report per year. To obtain your report do one of the following:

  • Visit
  • Call: 1-877-322-8228
  • Send requests to: 
    Annual Credit Report Request Service
    P.O. Box 105281
    Atlanta, GA 30348-5281

If you find that corrections are needed to your credit report, you can contact the credit reporting company that provided the report.
To receive Credit Report Counseling, check out the Accel Financial Counseling Program

For more information on how to obtain and monitor your credit, view:

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