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Century Services

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LAST UPDATED: March 28th, 2022

Century Settlement Services was founded in 2003 and is currently headquartered in Pennsylvania. The company aims to help clients resolve debt as quickly as possible. It works specifically with unsecured debt. The company was on INC. 5000's 2017 list of fastest growing financial service companies. Century Settlement Services is accredited with the AFCC and IAPDA.


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The Good

  • Educational Resources
  • Accreditations
  • Customer Support

Educational Resources

Century Settlement Services provides useful financial tips in a monthly newsletter called "Road to Financial Freedom." Additionally, the company's website provides details about the settlement process. It also includes a helpful FAQ page that gives both general details about debt settlement and specific information about the company.


CSS is certified by both the International Association of Professional Debt Arbitrators (IAPDA) and American Fair Credit Council (AFCC). These organizations ensure companies are using best industry practices.

Customer Support

Each customer is assigned a negotiator. Additionally, Century Settlement Services representatives are available through email or phone, Monday to Thursday 9am-8pm and Friday 8am-5pm EST. Enrolled clients also receive a MyCentury online dashboard. This dashboard displays the status of all accounts, provides contact information, and houses important account paperwork.


The Bad

  • Undisclosed State Availability
  • Limited Pricing Information
  • Unknown Minimum Debt Requirement

Undisclosed State Availability

Century Settlement Services is not available in every state. However, its website does not specifically list which states are eligible. Interested customers will need to check with the company to see if Century's services are available in their area.

Limited Pricing Information

Century does not charge any upfront or hidden fees. Customers pay after their debts are settled. However, the website does not disclose its service fee range. Many competitors post potential fees.

Unknown Minimum Debt Requirement

The company's website does not state a minimum debt requirement. Many other companies reveal this, making it easier for consumers to know if debt settlement is a feasible option for their situation.


The Bottom Line

Century Settlement Services is an accredited debt settlement company that offers helpful resources to clients such as an online dashboard and monthly newsletter. However, it is unclear in which states Century Settlement Services operates and if it has minimum qualification requirements. Additionally, its service fees are undisclosed, making it difficult to know if it is an affordable service. We recommend comparing Century Settlement Services to other top-ranked companies.

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Stacey Sacramento, CA

Only negotiates with creditors when they have sufficient funds built up. They told me they’d never ask for more money then the monthly payment, yet i have been asked several times for more money. What the heck? Wish I would have never signed up.

4 years ago