Christian Credit Counselors (CCC) is a nonprofit agency that has been in business for over 30 years. By providing credit counseling and debt consolidation services, the organization has been able to help over 300,000 Americans get out of debt. CCC has relationships with over 400 creditors in the nation.
The company claims that its unique approach of combining prayer, step-by-step guidance, and educational resources helps clients get out of debt up to 80 percent faster than normal.
The organization offers average fees in the business, is accredited by the Council on Accreditation (COA), and is certified by the FCAA. On the downside, the company is not licensed in every state, is not ISO certified, and is not accredited with the NFCC.
CCC offers a free consultation with a certified credit counselor. The certified credit counselors on staff work with clients through each step toward financial freedom as part of CCC's counseling service.
These are individuals who you can trust. Certified credit counselors have to take courses and pass tests to prove that their credit knowledge is up to par and up to date. Each certified credit counselor is able to help clients find the best course of action for their debt and financial situation. The company's counselors are certified by the National Association of Certified Credit Counselors (NACCC).
One unique aspect about CCC is that it offers what is called a "Good Samaritan Program." The program is essentially a free 6-week financial course to help provide consumers with the right tools to create the foundation for financial success.
The program is similar to other programs offered by other companies, except that all of the resources and the program itself are completely free. Other companies will often charge a lot of money for these kinds of programs.
Christian Credit Counselors requires a one-time setup fee of $49, which just about average for the industry. However, the company does not reveal the amount of its required monthly fee for its debt relief clients.
CCC does not charge a cancellation fee if a client decides not to continue the program.
While the company is certified by the Financial Counseling Association of America (FCAA), CCC does not hold an accreditation with the NFCC certifications. This is another accreditation organization in the industry to help ensure quality services. The company does not hold an ISO certification but is accredited by COA.
The most important thing to keep in mind with CCC is that they are not available in every state, currently only being licensed in the following states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, District Of Columbia, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kentucky, Louisiana, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Virginia, Washington, West Virginia, and Wyoming.