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    <Timestamp>2012-09-26T08:27:57-06:00</Timestamp>
    <TaxPeriodEndDate>2011-12-31</TaxPeriodEndDate>
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        <BusinessNameLine1>VICKIE DEAN ASSOCIATES</BusinessNameLine1>
      </PreparerFirmBusinessName>
      <PreparerFirmUSAddress>
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        <City>SALT LAKE CITY</City>
        <State>UT</State>
        <ZIPCode>84115</ZIPCode>
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        <BusinessNameLine1>AMERICAN CREDIT FOUNDATION</BusinessNameLine1>
      </Name>
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      <Phone>8012081000</Phone>
      <USAddress>
        <AddressLine1>7720 SOUTH 700 EAST</AddressLine1>
        <City>MIDVALE</City>
        <State>UT</State>
        <ZIPCode>84047</ZIPCode>
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    </Filer>
    <Officer>
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      <Title>PRESIDENT</Title>
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      <AuthorizeThirdParty>true</AuthorizeThirdParty>
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    <Preparer>
      <Name>VICKIE L DEAN</Name>
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      <DatePrepared>2012-09-26</DatePrepared>
    </Preparer>
    <TaxYear>2011</TaxYear>
    <BuildTS>2016-02-24 21:20:13Z</BuildTS>
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        <State>UT</State>
        <ZIPCode>84047</ZIPCode>
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      <StateLegalDomicile>UT</StateLegalDomicile>
      <ActivityOrMissionDescription>THE PURPOSE OF THIS ORGANIZATION IS TO PROVIDE FREE CREDIT COUNSELING TO THE GENERAL PUBLIC. DIRECT CONSULTATIONS WITH TRAINED STAFF, PROGRAM IMPLEMENTATION AND SEMINARS HAVE BEEN EXTREMELY SUCCESSFUL.</ActivityOrMissionDescription>
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      <Description>THE PURPOSE OF THIS ORGANIZATION IS TO PROVIDE FREE CREDIT COUNSELING TO THE GENERAL PUBLIC. THIS HAS BEEN VERY SUCCESSFUL IN THE TAX YEAR 2011. OUR EXPERIENCED, TRAINED STAFF HAVE THROUGH DIRECT CONSULTATIONS BEEN ABLE TO HELP OUR CLIENTS, FROM ALL WALKS OF LIFE, TO CREATE A DEBT MANAGEMENT PROGRAM AND MAINTAIN THAT PROGRAM FOR LONGER THAN A YEAR. THIS IS A LARGE ACCOMPLISHMENT BECAUSE MOST CLIENTS CANNOT MAINTAIN THEIR PROGRAM FOR A YEAR.WE CREDIT OUR HIGH RETENTION NUMBERS TO THE ONE ON ONE TRAINED CREDIT COUNSELORS WHO FOLLOW UP ON A REGULAR BASIS WITH THEIR ASSIGNED CLIENT. WE HAVE ALSO BEEN VERY SUCCESSFUL THIS YEAR WITH OUR FREE SEMINARS THAT REACH OUT TO THE GENERAL PUBLIC. WE HAVE USED BOTH OUR IN HOUSE FACILITY AND OUT OF THE OFFICE. IN THESE SEMINARS WE USE TRAINED STAFF TO TEACH DEBT MANAGEMENT, HOW TO GET OUT OF AND STAY OUT OF DEBT, HOW TO USE YOUR MONEY WISELY IN THESE TOUGH ECONOMIC CONDITIONS. THESE SEMINARS HAVE BEEN WELL ATTENDED AND WE HAVE RECEIVED VERY POSITVE FEEDBACK FROM THOSE ATTENDING THE SEMINARS.</Description>
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      <ReportInvestOthSecurities>false</ReportInvestOthSecurities>
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        <CurrentTaxYearMinus1Year>308</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>198</CurrentTaxYear>
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        <CurrentTaxYearMinus2Years>552</CurrentTaxYearMinus2Years>
        <CurrentTaxYearMinus1Year>308</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>198</CurrentTaxYear>
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        <CurrentTaxYearMinus1Year>2588459</CurrentTaxYearMinus1Year>
        <CurrentTaxYear>2480086</CurrentTaxYear>
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      <PublicSupportPercentage509>0.99960</PublicSupportPercentage509>
      <InvestmentIncomePercentage>0.00040</InvestmentIncomePercentage>
      <ThirtyThreePercntTestsCY509>X</ThirtyThreePercntTestsCY509>
    </IRS990ScheduleA>
    <IRS990ScheduleC documentId="3">
      <PaidStaffOrManagement>false</PaidStaffOrManagement>
      <MediaAdvertisements>false</MediaAdvertisements>
      <MailingsMembers>false</MailingsMembers>
      <PublicationsOrBroadcast>false</PublicationsOrBroadcast>
      <GrantsOtherOrganizations>false</GrantsOtherOrganizations>
      <DirectContactLegislators>false</DirectContactLegislators>
      <RalliesDemonstrations>false</RalliesDemonstrations>
      <OtherActivities>false</OtherActivities>
    </IRS990ScheduleC>
    <IRS990ScheduleD documentId="6">
      <IncludedOnFS>false</IncludedOnFS>
      <TotalRevenue>2480086</TotalRevenue>
      <TotalExpenses>2480897</TotalExpenses>
      <ExcessOrDeficitForYear>-811</ExcessOrDeficitForYear>
      <ExcessOrDeficitPerFS>-811</ExcessOrDeficitPerFS>
      <TotRevenueEtcAuditedFinclStmt>2480086</TotRevenueEtcAuditedFinclStmt>
      <RevenueSubtotal>2480086</RevenueSubtotal>
      <TotalRevenuePerForm990>2480086</TotalRevenuePerForm990>
      <TotExpensesEtcAuditedFinclStmt>2480897</TotExpensesEtcAuditedFinclStmt>
      <ExpensesSubtotal>2480897</ExpensesSubtotal>
      <TotalExpensesPerForm990>2480897</TotalExpensesPerForm990>
    </IRS990ScheduleD>
    <IRS990ScheduleL documentId="4">
      <Form990ScheduleLPartIV>
        <NameOfInterestedPerson>
          <NameBusiness>
            <BusinessNameLine1>IMPULSE PROPERTIES LLC</BusinessNameLine1>
          </NameBusiness>
        </NameOfInterestedPerson>
        <Relationship>MR PETERSON IS AN OFFICER IN AFC IS A GNL PTR IN IMPULSE LLC</Relationship>
        <AmountOfTransaction>152734</AmountOfTransaction>
        <DescriptionOfTransaction>AFC RENTS THE BUILDING FROM IMPULSE PROPERTIES LLC</DescriptionOfTransaction>
        <SharingOfRevenues>false</SharingOfRevenues>
      </Form990ScheduleLPartIV>
    </IRS990ScheduleL>
    <IRS990ScheduleO documentId="5">
      <GeneralExplanation>
        <Explanation>SEC B 12C ALL EMPLOYEES ARE REQUIRED TO MEET WITH MANAGEMENT ANNUALLY. THEY ARE ASKED DIRECT QUESTIONS REGARDING CONFLICT OF INTEREST. SECTION C LINE 19 - ALL PUBLIC DOCUMENTS ARE AVAILABLE FOR PUBLIC INSPECTION AT THE OFFICE OF AMERICAN CREDIT FOUNDATION UPON REQUEST.</Explanation>
      </GeneralExplanation>
    </IRS990ScheduleO>
  </ReturnData>
</Return>