Like other debt consolidation companies, Delray Credit Counseling Corp. is nonprofit service focused on helping consumers improve their financial situations. Delray Credit Counseling is based in Delray Beach, Florida and provides consumers with educational tools in order to help consumers understand different financial topics such as taxes and budgeting. Other topics approached by Delray Credit Counseling include managing student loan debt and how to settle debt.
- More than a decade in business
- Educational resources
- Lower fees
- Free consultation
One great aspect about Delray is that it is accredited with the ISO and the CC, which is a good indication to consumers that Delray follows the best practices for credit counseling.
Regardless of their financial status, consumers have access to Delray Credit Counseling’s website and information. The educational resources on their website covers various subjects such as personal loans, student debt, and credit card management. They also provide financial tools such as financial calculators, budgeting worksheets, a bill reminder, and a mobile app.
While several debt consolidation companies charge consumers an average of $49 monthly basis, Delray Credit Counseling charges a monthly fee of up to $39. This is one of the lowest monthly fees that we have seen from the companies that we have reviewed. Additionally, the company does not charge an initial setup fee. Consumers can expect to save money over time compared to other companies.
For all interested consumers, Delray Credit Counseling offers a free credit counseling session. This is beneficial to consumers in debt because they will have a chance to get a better feel as to how the nonprofit’s counselors operate. A free credit counseling session can act as a trial run for consumers wanting to be financially free.
- No state availability information
- Low quality website
Not Clear on Locations Serviced
Unlike some other debt consolidation companies, Delray Credit Counseling does not specify which states it services. It’s hard to tell if all 50 states have access to resources provided by Delray Credit Counseling or if only Florida residents have access to such resources. However, the sidebar suggests that 48 states including Washington DC are serviced. We would prefer that the company were a little more explicit about state availability.
The website design is not easily navigated, and is in need of updating. Customers may have difficulty finding crucial information about pricing and other policies. Certain aspects of the site are also incredibly distracting, and could dissuade customers from doing business with Delray Credit Counseling.
There are several organizations that debt consolidation companies can be accredited by to ensure quality standards and other business practices. Delray Credit Counseling has some accreditations, but not all that we would like to see, including FCAA and NFCC. These accreditations give customers reassurance of the quality they should expect from a company and is something that should be considered while choosing a company to work with.