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Consolidated Credit

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LAST UPDATED: October 6th, 2022

Consolidated Credit has helped clients hammer away millions of dollars worth of debt since 1993. Since opening, it has helped millions of customers with debt issues and is one of the largest credit counseling agencies in the United States. The company boasts highly competitive interest rates, industry accreditations, and a positive reputation with online customer reviews.

Consolidated Credit also offers educational resources to improve its customers' financial literacy, particularly regarding credit cards and debt. Some of these resources include webinars, debt-to-income ratio and credit score calculators, and articles on various financial topics. Consolidated Credit also offers a community outreach program to provide financial education in addition to consolidating debt for its clients.

Consolidated Credit is one of the biggest companies in debt consolidation — the company has been featured in CNN, Forbes, MSNBC, and more. By making one monthly payment with the nonprofit organization, you can stop worrying about penalties for late payments and reduce your total credit card debt by up to 30-50 percent. However, you should know up front that while Consolidated is a debt consolidation company, it does not lend money as part of its debt consolidation program.

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The Good

  • Years of Industry Experience
  • Consolidated Credit Cost
  • Great Interest Rates: Consolidate Credit Card Debt at 0—11 Percent
  • Available to All
  • Accredited Company; Certified Staff
  • Positive Customer Reviews

Years of Industry Experience

Consolidated Credit is one of the oldest names in the industry, having accumulated nearly 30 years in business. During that time, it has built a reputation for total professionalism, offering CPFC-certified debt counselors and free debt consultations for potential clients.

Unlike debt consolidation companies offering personal loans, Consolidated Credit is a credit counseling agency. The company’s certified credit counselors perform a free evaluation to help determine the best debt relief option for each potential client.

Consolidated Credit counselors conduct a counseling sesion where they review the client’s current financial situation, credit report (credit history and credit score), and budget. This first credit counseling session can provide debt management strategies (e.g. making more than the minimum payments on your credit cards), budget advice, and ideas to improve bad credit and eliminate debt.

If a debt management plan is the best solution, the company will design a repayment plan to fit the unique needs of the client. A debt management program is a great alternative to debt settlement and debt consolidation loans while providing affordable monthly payments.

The customization of Consolidated Credit means that each client’s specific needs will be addressed and clients are helped in meaningful ways.

Consolidated Credit Cost

Many consolidation companies charge an enrollment fee and a monthly fee for their services. Consolidated Credit charges an upfront fee of $0 to $49 — this is a one-time, account set-up fee. Consolidated Credit also charges a monthly fee of between $0 and $9 depending upon debt amounts, number of creditors, state regulations and budget constraints.

Consolidated Credit also bases its monthly fees on what a client can afford. Some clients may qualify to pay no monthly fee.

Debt management is a government-regulated industry. As a result, most companies charge similar prices, though fees vary by state. Consolidated Credit is no different.

Great Interest Rates: Consolidate Credit Card Debt at an Average of 0–11 Percent

The interest rates that Consolidated Credit can arrange with lenders, including credit card companies, are less regulated. The company works with creditors to help clients achieve the best possible deal.

The company claims to get credit card interest rates down to an average of 0–11 percent APR — one of the lowest rates in the industry. These lower rates equate to a smaller overall payment for credit card debt and less interest.

Available to All

Each state has its own unique debt consolidation rules. For this reason, not all consolidation companies have their services available nationwide.

Consolidated Credit follows the state laws in every state, and its counseling services are available to people struggling with unsecured debt in every U.S. state. Consolidated Credit works to help people understand the best ways to manage their debt and what their consolidation options are.

Accredited Company; Certified Staff

The company is ISO certified and is accredited with the FCAA (Financial Counseling Association of America).

Gary Herman, the president of Consolidated Credit, has been working with the company for over 20 years. He has training as a certified credit counselor and is also a member of the FCAA, which is an important organization that ensures companies offer the best debt relief.

Positive Customer Reviews

Consolidated Credit reviews frequently cite the staff's professionalism and overall quality customer service. Many of the reviews commended Consolidated Credit for the ease of contact and polite, helpful staff members who guided clients every step of the way.

Some reviews are from users who used the free consultation but did not end up using Consolidated Credit's debt management plan services, yet felt they were able to walk away more knowledgeable about their best course of action after the consultation with a credit counselor.

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The Bad

  • Not a Loan Company

Not a Loan Company

Consolidated Credit is not a loan company, so you cannot receive a debt consolidation loan from the company if you determine that debt consolidation is the best route for you. You can meet with a credit counselor from Consolidated Credit, but if you want to participate in a debt consolidation program, you will have to go through another debt relief company.

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The Bottom Line

Consolidated Credit's lengthy track record, pricing, service level, and expertise are impressive. Even on our own site, customers give Consolidated Credit a very high average rating.

Customers are overwhelmingly positive about Consolidated Credit. The company aims to improve consumer credit knowledge and help individuals pay off credit card balances through a personalized management program and consolidating debt.

Given that the company is available in all states and has such positive customer reviews, we strongly recommend it to any clients with unsecured debt consolidation needs. If you want to consolidate your debt into one monthly payment through a debt management program instead of with a consolidation loan or personal loan, Consolidated Credit is a great option.

Consolidated Credit counseling services can review your financial situation, help you make a debt management plan and understand consolidating your debt, and even negotiate interest rates with creditors. Consolidated Credit's relief services can help you stay on top of payments, avoid filing bankruptcy, and get you on the path to becoming debt-free.

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Consolidated Credit Frequently Asked Questions

What types of debt can someone include in a debt management program?

A debt management program is meant primarily to pay off high-interest rate credit card debt. One of the primary benefits of working with a nonprofit credit counseling agency is that it works with a client’s creditors to reduce or eliminate interest charges applied to the debt. That’s most beneficial with high-interest rate credit card balances. However, it may be possible to include other types of debt, including unsecured personal loans, medical bills, collection accounts, and payday loans.

Which credit cards can be included?

Consolidated Credit works with all major credit card companies, as well as major retailers, banks, and credit unions. In total, the company has established relationships with over 1,600 creditors. A consumer can include general-purpose credit cards, charge cards, gas cards, reward cards, and store cards in the program. Consumers are not required to enroll all their cards in the program. If a client decides to leave a card out, they can add it later during the program.

Is this a loan?

No. A debt management program is like a professionally supported repayment plan. The client still owes their original creditors when they enroll. Clients make one payment to Consolidated Credit each month and that payment gets distributed to their creditors every month on schedule.

Does this credit counseling service pay off credit cards?

Credit cards will be paid-in-full as a client completes the program. However, the credit counseling service itself does not pay off the individual’s credit cards for them. As a client makes monthly payments, Consolidated Credit disburses the funds to creditors on an agreed schedule. As a client makes payments to Consolidated Credit, the balances on their credit cards will decrease over time. Individuals can monitor monthly credit card statements and see the balances getting paid off. These payments will also be noted in the payment history of each account on the consumer’s credit report.

What are the fees?

Receiving a debt and budget evaluation from a certified credit counselor is always free. Consumers can talk to a qualified professional about their situation and ask questions to understand their options for relief. If someone qualifies for a debt management program, there is a one-time setup fee and a small monthly fee rolled into the program payments. Fees for debt management programs are set based on the total debt, budget, and the state where a client lives. They are capped at $79 nationwide, and the average client pays $49.

How does this program affect someone’s credit?

Enrolling in a debt management program does not generate any negative items in a consumer’s credit report. It helps avoid the 7-year to 10-year credit report penalty that you see with solutions like debt settlement and bankruptcy. For most people, completing the program has a positive or neutral credit score effect. While a person is enrolled, they generate positive credit history on all the accounts included in the program. Creditors will generally bring delinquent accounts current once the client makes three payments.

How is the interest rate determined?

When someone enrolls in a debt management program, Consolidated Credit works with each creditor to reduce or eliminate the APR applied to their account balances. On average, rates are reduced to between 0%–11%. This is often much lower than what a client would be able to negotiate with a credit card company if they contacted them individually.

Is this different from debt settlement?

Yes. A debt management program works by paying back everything that someone owes at a reduced interest rate. The principal is paid in full. By contrast, debt settlement only repays a percentage of the principal. Debt settlement also creates negative items in a consumer’s credit report that remain for seven years from the date the remaining balance is discharged. Each account settled will be noted in the consumer’s credit report. A debt management program does not generate any negative items. The payment structure is also very different. While a consumer may make monthly payments on a debt settlement program, those payments are placed into an escrow account to generate the funds necessary to make settlement offers. Creditors are not paid each month, which can lead to missed payments and even greater damage to the consumer’s credit.

What happens if someone can’t make the payments?

A debt management program is 100 percent voluntary. If a client drops out of the program, all payments made up to that point will still be credited to their accounts. However, creditors may choose to restore the previous interest rate and reapply any penalties that were stopped when the person enrolled.

Can someone still get a loan (mortgage/auto) while enrolled?

Yes. A debt management program does not prevent someone from getting loans while they are enrolled in the program and paying off debt. It is possible to get approved for loans like a mortgage or an auto loan while enrolled, so there is no need for life to be put on hold while someone is paying off their debt. A client will not be able to get new credit cards while enrolled.
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Star Rating

4.8

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1,097 Reviews

Review Breakdown

5 grade

85%

4 grade

9%

3 grade

2%

2 grade

1%

1 grade

3%

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Shelley Renee Brock

Super easy they have taken all my credit cards, so now I have 1 payment which was lower then I was paying monthly mins. My cards will be paid off in 3 years as opposed to 20 years just making the min.

10 hours ago

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Reply from Consolidated Credit

Welcome aboard Shelley! Thanks for your review and we were glad we could help you with your debt. As you work your way through your debt management program, we’d also like to invite you to take advantage of the free resources we offer through our Financial Education Center on Consolidated Credit’s website. These will help you learn strategies to avoid challenges with debt in the future.

Oct. 6th, 2022

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Ron

Dave H was very professional explaining my needs. I was in deep trouble with other company. He explained details how are things going to happen before it gets worse. He deserve a higher star than 5 star. Thank you for your help. I recommend this company whoever needs help. I trust this company so much.

2 weeks ago

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Reply from Consolidated Credit

Dear Dave, Thanks for letting us know how we did. We’re happy we could help you find a solution to overcome your challenges with debt. If you have any questions or run into challenges down the road, please don’t hesitate to give us a call. We’re here to be your advocate! We appreciate you and wish you the very best in all your financial endeavors.

Sep. 23rd, 2022

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James Morey Pittsfield, MA

I over extended myself with credit cards so I reached out to Consolidated Credit and they have followed through with everything they promised. So far everything has gone perfectly and within 2 years 10 Credit Cards will be paid off in full.

4 weeks ago

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Reply from Consolidated Credit

Dear James, Thank you for reaching out and thanks for letting us know how we did. We’re glad we were able to help you set up a debt management program, so you can get on the road to becoming debt-free. If you have any questions or run into challenges down the road, please don’t hesitate to give us a call. We’re here to be your advocate!

Sep. 12th, 2022

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Pat Grants Pass, OR

Kudos to the Consolidated Credit team! The staff are all super friendly and easy to talk with about my credit issues. There were some bad things happening in my life, which included a lot of credit card debt. This program will enable me to eliminate my credit card debt in 3 years. As of today, I am 18 months towards that goal. I am so excited to have a better financial future. Thank you Consolidated Credit for all you have done!

1 month ago

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Reply from Consolidated Credit

Dear Pat, Thanks for letting us assist you. We’re glad we were able to help you set up a debt management program, so you can get on the road to becoming debt-free. If you have any questions or run into challenges down the road, please don’t hesitate to give us a call. We’re here to be your advocate!

Sep. 7th, 2022

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kim gratteri MA

Great experience with Consolidated Credit, my finances are kept in order, they make the payments to the creditors for you, you sit back and watch your debts go away.

1 week ago

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Reply from Consolidated Credit

Dear Kim, Thanks for your review and we were glad we could help you with your debt. As you work your way through your debt management program, we’d also like to invite you to take advantage of the free resources we offer through our Financial Education Center on Consolidated Credit’s website. These will help you learn strategies to avoid challenges with debt in the future. We appreciate you and wish you the very best in all your financial endeavors.

Sep. 29th, 2022

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John Saputo Jacksonville, FL

You seemed to take a complex problem very simple. You the payments easy and affordable to indicate to the creditor how serious your clients are to make their debt service complete and squared.

1 month ago

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Reply from Consolidated Credit

Dear John, We’re happy we could help you find a solution to overcome your challenges with debt. If you have any questions or run into any challenges down the road, please don’t hesitate to give us a call. We’re here to be your advocate!

Aug. 17th, 2022

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Larrette Sterling Killeen, TX

The company has been very consistent with payments. I feel that they are doing a great job.

6 days ago

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Reply from Consolidated Credit

Welcome aboard Larrette! We’re happy we could help you find a solution to overcome your challenges with debt. Thanks for letting us know how we did. We’re glad we were able to help you set up a debt management program, so you can get on the road to becoming debt-free. If you have any questions or run into challenges down the road, please don’t hesitate to give us a call. We’re here to help!

Oct. 6th, 2022

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Chiqui Camara Staten Island, NY

Best customer service. Very professional, knowledgeable, and courteous staff. Thank you for all the help.

1 week ago

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Reply from Consolidated Credit

Dear Chiqui, Thanks for letting us know how we did! We’re happy we were able to help find a solution to get out of debt. If you or your son have any questions about the debt management program or what you can expect now that you’re enrolled, please don’t hesitate to call us. We’re here to help!

Sep. 29th, 2022

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Carla Mijangos Russellville, AR

I’m so happy this program exists it has helped me so much and the past and still is. The customer service is great. Thank you!

3 weeks ago

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Reply from Consolidated Credit

Dear Carla, Thank you for making Consolidated Credit your debt management organization of choice. We’re glad we were able to help you set up a debt management program, so you can get on the road to becoming debt-free. If you have any questions or run into challenges down the road, please don’t hesitate to give us a call. We’re here to help!

Sep. 14th, 2022

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Samantha Balstra Tampa, FL

Tatiana was very professional and sweet. She help me with my billing which definitely helped me a lot in the future. She made the process fast and simple. Thank you!!

1 month ago

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Reply from Consolidated Credit

Dear Samantha, Thanks for letting us know how we did. We’re glad we were able to help you set up a debt management program, so you can get on the road to becoming debt-free. If you have any questions or run into challenges down the road, please don’t hesitate to give us a call. We’re here to help!

Aug. 12th, 2022

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Willie Branagan Manlius, NY

Consolidated Credit was exactly the answer to paying off my debt. I will be eternally appreciative. They always respond to questions. They are excellent in helping you set up your program.

2 months ago

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Reply from Consolidated Credit

Congratulations Willie! We’re glad we could help! Go ahead and pat yourself on the back for your hard work and perseverance. Testimonials like yours are invaluable. They give those reluctant to seek help the courage and motivation to do so. We appreciate you and wish you the very best in all your financial endeavors. Cheers! We have a wealth of free resources that can help you develop strategies for avoiding debt and maintaining financial stability in the future. If you haven’t checked out Consolidated Credit’s YouTube Channel yet, we invite you to subscribe. We’re constantly adding new videos that can help you become more financially savvy.

Aug. 3rd, 2022

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Deborah E Hester Canton, GA

It was a great call, TATIANA was an excellent customer service representative. She was friendly and yet very professional, answered my questions and assisted me to resolve a issue that I was facing. Very much grateful.

2 months ago

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Reply from Consolidated Credit

Dear Deborah, Thanks for letting us know how we did. We’re happy we could help you find a solution to overcome your challenges with debt. If you have any questions or run into challenges down the road, please don’t hesitate to give us a call. We’re here to be your advocate!

Jul. 14th, 2022

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Marlene Greenman Hicksville, NY

Speaking with the Reps at Consolidated Credit is so comforting knowing that they care about what they do. They are so kind and helpful. Its a pleasure speaking with them. This company should win a award for helping so many people with their credit problems. Thank you again.

3 months ago

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Reply from Consolidated Credit

Aw thanks, Marlene! Welcome aboard! Thank you for letting us assist you. We’re glad we were able to help you set up a debt management program, so you can get on the road to becoming debt-free. If you have any questions or run into challenges down the road, please don’t hesitate to give us a call. We’re here to be your advocate!

Jun. 28th, 2022

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Douglas Webb Frisco, TX

Very helpful and relieved a ton of stress. Rates are very fair.

4 days ago

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Reply from Consolidated Credit

Welcome aboard Douglas! Thanks for allowing Consolidated Credit to assist you. We’re happy we could help you find a solution to overcome your challenges with debt. If you have any questions or run into challenges down the road, please don’t hesitate to give us a call. We’re here to be your advocate! We appreciate you and wish you the very best on your journey out of debt.

Oct. 6th, 2022

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Michelle Crane Phoenix, AZ

I like that there is a live chat feature on the website to assist you with any questions you might have. I also like that this company has you make a monthly payment to them and then they strategically divvy the funds out to your creditors. It takes odd the stress and has them do the work for you!

2 months ago

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Reply from Consolidated Credit

Dear Michelle, Thanks for your review and we were glad we could help you with your debt. As you work your way through your debt management program, we’d also like to invite you to take advantage of the free resources we offer through our Financial Education Center: https://www.consolidatedcredit.org/financial-education/ These will help you learn strategies to avoid challenges with debt in the future.

Jul. 25th, 2022

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Samantha Medford, NY

Customer service was accommodating. They answered every question that I needed answered and they were productive in what I needed. They are very trustworthy. I was very nervous going into debt consolidation and getting ripped off. Everything is laid out in statements, I get everything in the mail. I'm speaking with American representatives and that's very important to me. It's been a smooth process and my credit scores are already going up.

2 years ago

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Reply from Consolidated Credit

Hi Samantha, We’re happy we could help you find a solution to overcome your challenges with debt. Now that you’re on your way to becoming debt free, don’t forget to take advantage of all the free financial education resources we offer. We hold free webinars every month that can help you achieve and maintain financial stability long-term. Make sure to check them out!

Sep. 23rd, 2020

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Lela Alderman

I have had a good experience with Consolidated Credit. I'm stil farily a new customer and I am pleased with how quickly they got my debt plan to coincide with my creditors.. They are right on top of it and keep me informed. I'm looking forward to the time when I can be debt free and thanks to Consolidated Credti, I can see light at the end of tunnel.

2 years ago

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Reply from Consolidated Credit

Hi Lela, Thanks for letting us assist you. We’re glad we were able to help you set up a debt management program, so you can get on the road to becoming debt free. If you have any questions about the program, please give us a call and we’ll be happy to help. We’re here to be your advocate!

Mar. 10th, 2020

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Josh Flath Kalamazoo, MI

Consolidated Credit is an amazing company! They are very knowledgeable, and their customer service is top notch!

2 weeks ago

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Reply from Consolidated Credit

Dear Josh, Thanks for your review and we were glad we could help you with your debt. As you work your way through your debt management program, we’d also like to invite you to take advantage of the free resources we offer through our Financial Education Center on Consolidated Credit’s website. These will help you learn strategies to avoid challenges with debt in the future. We appreciate you and wish you the very best in all your financial endeavors.

Sep. 19th, 2022

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Pamela Tindall St Louis, MO

Everyone employee I have ever spoken to is always very helpful, professional and especially kind to this senior citizen.

1 month ago

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Reply from Consolidated Credit

Hi Pamela, Thanks for letting us know how we did. We appreciate the opportunity to assist you. It’s our mission to help people in your situation find solutions to become debt-free. If you have any questions or run into any challenges down the road, please don’t hesitate to give us a call. We’re here to be your advocate!

Sep. 2nd, 2022

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K Smith Atlanta, GA

It's been awesome and worry-free! I was able to get help and not have to stress about bothersome phone calls from creditors.

1 month ago

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Reply from Consolidated Credit

Welcome aboard K! Thanks for letting us assist you. We’re glad we were able to help you set up a debt management program, so you can get on the road to becoming debt-free. If you have any questions or run into challenges down the road, please don’t hesitate to give us a call. We’re here to be your advocate!

Aug. 17th, 2022

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rani albahri Brooklyn, NY

The company helped me resolve an issue that terrified my understanding on how one company was financially taking more in return then cutting my loan expenses.

2 months ago

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Reply from Consolidated Credit

Dear Rani, Thanks for letting us know how we did. We’re glad we were able to help you set up a debt management program, so you can get on the road to becoming debt-free. If you have any questions or run into challenges down the road, please don’t hesitate to give us a call. We’re here to help!

Aug. 4th, 2022

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Howard Hudson Crum Lynne, PA

Great service. They keep you informed every step of the way

1 day ago

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Reply from Consolidated Credit

Dear Howard, Thanks for letting us know how we're doing. We’re happy we were able to help find a solution to get out of debt. If you have any questions about the debt management program or what you can expect now that you’re enrolled, please don’t hesitate to call us. We’re here to help!

Oct. 6th, 2022

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Jennifer Edge Cincinnati, OH

This company has been polite on the telephone, they have a great website, which is easily accessible. My credit card debt was killing me financially with high-interest rates. I had no hope of ever getting out of my credit card debt. Consolidated Credit has done just that.

4 months ago

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Reply from Consolidated Credit

Hi Jennifer, Thanks for letting us assist you. We’re glad we were able to help you set up a debt management program, so you can get on the road to becoming debt-free. If you have any questions about the program, please give us a call and we’ll be happy to help. We’re here to be your advocate!

Jun. 6th, 2022

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Desirayy S Phenix City, AL

I could not imagine how my life would be without consolidated credit solutions working with me to get all of my debt paid off at a reasonable monthly rate. I made big mistakes when I was younger and this company helped me to get back on top of those. Thank you!

5 months ago

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Reply from Consolidated Credit

Dear Desirayy, Thanks for your review and we were glad we could help you with your debt. As you work your way through your debt management program, we’d also like to invite you to take advantage of the free resources we offer through our Financial Education Center on Consolidated Credit’s website. These will help you learn strategies to avoid challenges with debt in the future. We appreciate you and wish you the very best in all your financial endeavors.

Apr. 27th, 2022

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Iyiconejo79 Hilton Head Island, SC

Great customer service,great communication and explanation of the services

1 week ago

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Reply from Consolidated Credit

Welcome aboard Iyiconejo79! Thank you for allowing Consolidated Credit to assist you. We’re glad we were able to help you set up a debt management program, so you can get on the road to becoming debt-free. If you have any questions or run into challenges down the road, please don’t hesitate to give us a call. We’re here to help!

Sep. 26th, 2022

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Matt Mount Vernon, OH

Consolidated credit has been a pleasure to work with. During the application process they were very straightforward and everything, and they have follow through with what they have said they would do, which is help me get out of debt!

2 years ago

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Reply from Consolidated Credit

Hi Matt, We appreciate the opportunity to assist you. It’s our mission to help people in your situation find solutions to become debt free. If you have any questions or run into any challenges down the road, please don’t hesitate to give us a call. We’re here to help!

Sep. 23rd, 2020

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Maria Grandview, WA

I was able to consolidate my bills and making monthly payments. It has helped our household tremendously. They've been able to communicate with me back and forth through text or email. I've had no problems working with them. I can see a light at the end of the tunnel and by the end of the year I will be able to pay off all my debts.

2 years ago

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Reply from Consolidated Credit

Hi Maria, Thanks for your review and we were glad we could help you with your debt. As you work your way through your debt management program, we’d also like to invite you to take advantage of the free resources we offer through our Financial Education Center. These will help you learn strategies to avoid challenges with debt in the future.

Sep. 23rd, 2020

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Verified Customer

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Jerome Auburn, WA

They take care of my debt and made it something I can live with. I would like to know why I still receive the bill from one of the credit cards and it looks terrible and goes up and up and then I get the receipt from Consolidated Credit and it shows that you made a major payment to them. I'm a little confused on that.

2 years ago

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Reply from Consolidated Credit

Hi Jerome, We appreciate the opportunity to assist you. It’s our mission to help people in your situation find solutions to become debt free. If you have any questions or if you run into any challenges down the road, please don’t hesitate to give us a call. We’re here to help!

Sep. 23rd, 2020

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Kathleen Lombard, IL

Very affordable, reasonable, and worked with my budget. They took all my creditors except for ones they obviously couldn't take like he car or a student loan. They were very thorough. They let me add additional information as I went along and were very professional and didn't make me feel bad about my situation.

2 years ago

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Reply from Consolidated Credit

Hi Kathleen, Thanks for letting us assist you. We’re glad we were able to help you set up a debt management program, so you can get on the road to becoming debt free. If you have any questions about the program, please give us a call and we’ll be happy to help. We’re here to be your advocate!

Sep. 23rd, 2020

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JoAnn F Granite City, IL

My whole experience from the first phone call 3 months ago to the phone call I made today gas been nothing short of amazing and helpful. Everyone I have spoken with is professional, courteous and explains everything so I can understand.

2 years ago

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Reply from Consolidated Credit

Hi JoAnn, Thanks for calling and we’re glad we could help. As you work your way through your debt management program, please let us know if there’s anything you need. Our client services team is here to answer any questions that you have and assist you in overcoming any challenges that may arise as you work to become debt free.

Sep. 23rd, 2020

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michael L Wallace Arlington, TX

My son got into credit card debt and we contacted Consolidated Credit for help. The representative walked us through what the process would entail, was straight forward, and VERY helpful. We decided to use the company. They worked with the creditors and was able to get him out of a financial hole. I would HIGHLY recommend Consolidated Credit to anyone with credit card debt.

4 months ago

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Reply from Consolidated Credit

Welcome aboard to your son, Michael! Thanks for letting us know how we did! We’re happy we were able to help your son find a solution to get out of debt. If you or your son have any questions about the debt management program or what you can expect now that you’re enrolled, please don’t hesitate to call us. We’re here to help!

Jun. 6th, 2022

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Eddie San Clemente, CA

Consolidated Credit Solutions really helped me out during a low point in my life. I couldn't keep up with all 3 cards and their interest it just felt like I didn't make any progress. Through CCS, i was able to just make 1 payment and they were able to negotiate with my creditors for a lower Apr which really helped in making a dent towards those balances. I was able to pay one off and now that I'm in a better financial situation, I am on the verge of paying the last 2 and be debt free from those credit cards. Needless to say I won't be opening a new line of credit any time soon but I now understand what I need to do in the future when it comes to credit management. Thank you so much to Tatiana, she was extremely helpful and friendly.

11 months ago

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Reply from Consolidated Credit

Hi Eddie, Thanks for your review and we were glad we could help you with your debt. As you work your way through your debt management program, we’d also like to invite you to take advantage of the free resources we offer through the Financial Education Center on Consolidated Credit's website. These will help you learn strategies to avoid challenges with debt in the future.

Oct. 18th, 2021

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cesquivelt San Bernardino, CA

Excellent service over the phone and explanation as well.

1 week ago

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Reply from Consolidated Credit

Dear Cesquivelt, Thanks for letting us know how we did. We’re happy we could help you find a solution to overcome your challenges with debt. If you have any questions or run into challenges down the road, please don’t hesitate to give us a call. We’re here to be your advocate! We appreciate you and wish you the very best on your journey out of debt.

Sep. 27th, 2022

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Rhonda Evans Lexington, SC

Very helpful customer Service - Samantha I spoke with on the first phone call & advise as to what she needed from me per the email that I rec'd. I call back about 10-15 minutes and spoke to Tiatiana and gave her the info that was needed and she was very nice and explained everything.

7 months ago

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Reply from Consolidated Credit

Hi Rhonda, Thanks for calling and thanks for letting us assist you. We’re glad we were able to help you set up a debt management program, so you can get on the road to becoming debt free. If you have any questions about the program, please give us a call and we’ll be happy to help. We’re here to be your advocate!

Feb. 16th, 2022

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April Belle Plaine, KS

They pretty much explained most of it to me and I understood it. I feel like it was a little bit trickier in our area to figure out what was going to happen in the beginning. It did drop my payments monthly but I feel like some of the payments don't seem like they're going down very much a month.

2 years ago

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Reply from Consolidated Credit

Hi April, We appreciate the opportunity to assist you. It’s our mission to help people in your situation find solutions to become debt free. If you have any questions or run into any challenges down the road, please don’t hesitate to give us a call. We’re here to help!

Sep. 23rd, 2020

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Leisa Johnson City, TN

They were very friendly, very helpful, and answer any questions I have at any time. I appreciate the fact that they're willing to get in touch with my creditors and speak on my behalf.

2 years ago

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Reply from Consolidated Credit

Hi Leisa, Thanks for letting us assist you. We’re glad we were able to help you set up a debt management program, so you can get on the road to becoming debt free. If you have any questions about the program, please give us a call and we’ll be happy to help. We’re here to be your advocate!

Sep. 23rd, 2020

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Sylvia Plymouth, NC

The program was clear and concise. The very first time I called I got a person to answer every question that I have. She had answers for the program and she laid it out so it was understandable.

2 years ago

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Reply from Consolidated Credit

Hi Sylvia, Thanks for reaching out to Consolidated Credit for help with your credit card debt. While we’re helping you get out of debt through your debt management program, don’t forget to take advantage of the free financial education resources we offer. If you haven’t signed up yet, please check out our Credit Dojo. It’s a fun interactive, financial literacy course that can teach you everything from basic budgeting to buying a home.

Sep. 23rd, 2020

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Verified Customer

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Bobbie Gulfport, MS

They've always been available whenever I've made a phone call and they've helped me to the best of their ability. They've helped me tremendously with getting the interest rate lowered. Always there when I need them.

2 years ago

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Reply from Consolidated Credit

Hi Bobbie, Thanks for calling and we’re glad we could help. As you work your way through your debt management program, please let us know if there’s anything you need. Our client services team is here to answer any questions that you have and assist you in overcoming any challenges that may arise as you work to become debt free.

Sep. 23rd, 2020

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Reilly

They are so willing to help you. Honestly I was very skeptical about a debt program but didn't have much of a choice. I looked at a couple and decided to go this one. So glad I did.

2 years ago

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Reply from Consolidated Credit

Hi Reilly, Thanks for calling and we’re glad we could help. As you work your way through your debt management program, please let us know if there’s anything you need. Our client services team is here to answer any questions that you have and assist you in overcoming any challenges that may arise as you work to become debt free.

Mar. 16th, 2020

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Brenda Della Rocca

Well at first they were great calculating my credit cards & giving me a monthly total and they had me sign a contract but then little by little things began to pop up like oh sorry this card won't deal with us or sorry this card wants more money so my original monthly payment that was so great at the beginning turned out not to be so great. My suggestion is to have your co. deal with all the amounts before they have you sign a contract so you exactly what your payments are. My payments have gone up like 5 different times & there are still credit cards that I have to pay on my own

2 years ago

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DARLING RODRIGUEZ The Bronx, NY

Great 👍 satisfied so far about the process and customer service

2 weeks ago

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Reply from Consolidated Credit

Welcome aboard Darling! Thanks for letting us assist you. We’re glad we were able to help you set up a debt management program, so you can get on the road to becoming debt-free. If you have any questions or run into challenges down the road, please don’t hesitate to give us a call. We’re here to be your advocate!

Sep. 23rd, 2022

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Benita Avant-Carter Miami, FL

The process was easy, They help you get back on track if you don't want to file bankruptcy. You will not be able to keep any of the credit cards while going through the program but you will eventually pay off the debt and be afforded a fresh start.

4 months ago

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Reply from Consolidated Credit

Dear Benita, Thanks for your review and we were glad we could help you with your debt. As you work your way through your debt management program, we’d also like to invite you to take advantage of the free resources we offer through our Financial Education Center on Consolidated Credit’s website. These will help you learn strategies to avoid challenges with debt in the future. We appreciate you and wish you the very best in all your financial endeavors.

May. 25th, 2022

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Jessica MacLane Knoxville, TN

First off, they made me feel extremely comfortable the moment I started speaking to this lovely company. The whole process took no more than 30 minutes, if that. After everything was said and done, an extremely heavy weight was lifted off my shoulders, and now I’m extremely confident in knowing my debt will be getting paid off with making only one monthly payment. Thank you so much.

9 months ago

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Reply from Consolidated Credit

Welcome aboard Jessica. Thanks for letting us assist you. We’re glad we were able to help you set up a debt management program, so you can get on the road to becoming debt-free. If you have any questions about the program, please give us a call and we’ll be happy to help. We’re here to be your advocate!

Dec. 28th, 2021

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Cheryl Hart Phoenix, AZ

I have been so worried about my finances and no clue what to do about it. Got a call from Jason with Consolidated Credit Solutions yesterday. He explained how you could help me and I was thrilled!!!! The credit card debt I have was frightening but you showed me the light at the end of the tunnel. These cards WILL be paid off with your involvement in a matter of months! Got a call from Dale today and he helped me understand things better. Your staff is wonderful, patient and so-o helpful. Thank you, Cheryl H

10 months ago

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Reply from Consolidated Credit

Welcome aboard Cheryl! Thanks for letting us assist you. We’re glad we were able to help you set up a debt management program, so you can get on the road to becoming debt free. If you have any questions about the program, please give us a call and we’ll be happy to help. We’re here to be your advocate!

Nov. 19th, 2021

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Steven Meyer Columbia, SC

I called Consolidated Credit and I ended up speaking with Tatiana. I just had some questions about if my payment had gone through to my creditors or not. Turns out that it had. I also had some trouble logging in to my account, and she helped me with that, as well. I had trouble changing to a new password, but one of the "live chat" agents named Robert helped me with that. I was ultimately able to login to my account. Good job, everybody! Thank you.

10 months ago

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Reply from Consolidated Credit

Hi Steven, Thank you for making Consolidated Credit your debt management organization of choice. Thanks for calling and we’re glad we could help. As you work your way through your debt management program, please let us know if there’s anything you need. Our client services team is here to answer any questions that you have and assist you in overcoming any challenges that may arise as you work to become debt free. We appreciate you!

Nov. 12th, 2021

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Jamie Houston, TX

As a small business owner for 20+ years, I've always made it work and been comfortable. My mother passed in 2018 and I took 7 months off that year and it took a major financial toll on my business (although I was blessed to be with her). I did some research and found Consolidated Credit and have been overly impressed. I was skeptical and didn't trust the idea of consolidation and keeping my credit score, etc. safe and it's been amazing. I'm very thankful and would recommend them fully.

11 months ago

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Reply from Consolidated Credit

Hi Jamie, Thanks for letting us know how we did! We’re happy we were able to help you find a solution to get out of debt. If you have any questions about your debt management program, please don’t hesitate to call us. We’re here to help!

Oct. 18th, 2021

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Derek Grigsby

Amazing staff who really seems dedicated to helpers those in need. Thank you for all you guys do!

1 month ago

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Reply from Consolidated Credit

Welcome aboard Derek! Thanks for letting us assist you. We’re glad we were able to help you set up a debt management program, so you can get on the road to becoming debt-free. If you have any questions or run into challenges down the road, please don’t hesitate to give us a call. We’re here to be your advocate!

Aug. 29th, 2022

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Roberta limoli-barufaldi Burlington, MA

Any time that i've called I've receiverd great service from everyone...thank you

1 month ago

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Reply from Consolidated Credit

Dear Roberta, Thanks for calling and we’re glad we could help. Getting out of debt is a journey and along the way, we want to provide resources that can help you develop strategies for avoiding debt and maintaining financial stability in the future. If you haven’t checked out Consolidated Credit's YouTube channel yet, we invite you to subscribe. We’re constantly adding new videos that can help you become more financially savvy.

Aug. 24th, 2022

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amorrissy18 Elburn, IL

I am extremely pleased that this company has been willing to assist me with paying off my credit card debt. I have tried getting loans to help pay them off but because of my low credit score(because of the debt), I did not qualify for them. I also like the fact that if I have the ability in the future, I have the option to pay everything faster. I was surprised that this company is non profit, and am glad that they still take the time to help me. Consolidated Credit Solutions provides me with many opportunities and is helping me get back on track with life. I am back in school and plan to save for a house in the future and this gives me the opportunity to be able to do that.

1 year ago

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Reply from Consolidated Credit

Hi Amorrissy18, Thanks for reaching out to Consolidated Credit for help with your credit card debt. While we’re helping you get out of debt through your debt management program, don’t forget to take advantage of the free financial education resources we offer. If you haven’t signed up yet, please check out Credit Dojo on ConsolidatedCredit.Org. It’s a fun interactive, financial literacy course that can teach you everything from basic budgeting to buying a home.

Jan. 12th, 2021

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Tracey Columbia, MD

I've been working with this company since August. The 1st conversation was amazing they were extremely helpful. Being that im a worry wart I did call the next couple of months cause I felt the communication wasnt there, but they were doing everything right. Credit One is a hassle to deal with and that was my only issue. Even tho I wasn't late, I ended up paying them for a couple months xtra on top of credit solutions payment until they finalized everything. This was an issue with credit one not credit solutions. If you have credit one and want to consolidate them, just keep an eye for a few months to make sure they are holding out on what they bargained with.

1 year ago

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Reply from Consolidated Credit

Thanks for allowing us to assist you, Tracey. It sounds like you switched from a company that you were not satisfied with. We’re glad we were able to help you set up a debt management program, so you can get on the road to becoming debt free. If you have any questions, please give us a call and we’ll be happy to help. We’re here to be your advocate!

Jan. 12th, 2021