Consolidated Credit Solutions, Inc.

Name: Consolidated Credit Solutions, Inc.
Rating: 4.7

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4.7

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874 User Reviews

8.5

Overall Score

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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 (lower) monthly payment with the company, you can stop worrying about penalties for late payments and reduce your credit card debt by 30-50 percent.

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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 over 20 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 Counseling services include a free review of 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 solutions 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 $49.

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

Debt consolidation 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 negotiate 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.

In addition to helping clients consolidate credit card debt, Consolidated Credit counselors can help clients with debt from medical bills, payday loans, and more.

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 the vice president 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 NFCC Certified
Limited Website Information

Not NFCC Certified

Consolidated Credit is not certified with the NFCC (National Foundation for Credit Counseling). There are several other companies in the debt consolidation industry that do hold this certificate.

Accreditations and memberships can be an important feature to look for when choosing a company to work with. These associations require accredited companies to keep a certain standards of best practices.

This help ensures that customers are receiving quality services. While Consolidated Credit is not certified through NFCC, it is certified by other organizations, such as the ISO and the FCAA.

Limited Website Information

Though Consolidated Credit provides a robust amount of financial advice, it does not have much information about its actual credit counseling services and debt management plans available on its website.

However, this is likely because its programs are created based on client needs. Each client’s situation is different, so the programs vary accordingly.

Consumers are urged to call or apply online to receive more information. Online information helps customers while they are searching for the company that best fits their financial needs.

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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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1-(844) 720-3995

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Consolidated Credit Solutions, Inc. 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 they work 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, we have 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? / How much does this cost?

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 seven-year to ten-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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User Reviews

Star Rating

4.7

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874 Reviews

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RICH STANTON Levittown, PA

Customer service is very good . I dilike that paying 7.95 to send things back very bad gives BAD TASTE. I really like the custome service marisol I think her name is she answers the phone all the time thank god she is great real asset to the company

2 days ago

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Yusbi Meza Crystal Lake, IL

The call was really amazing. I was really overwhelmed and feeling like I was drowning in debt but the customer service guy reassured me and really lifted so much weight off my shoulders

6 days ago

Reply from Consolidated Credit Solutions, Inc.

Welcome aboard Yusbi! 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. 16th, 2021

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Peter Boling Jakarta, JK

This is the best debt resolution company I have used, but is not without it's gimmicks. All of these debt companies enroll you in a borderline fraudulent "money-saving" program to earn you discounts on things, but the plan costs are usually $29 per month, and the discounts require much familiarity and effort to utilize, and so it is really just a $29/month waste of money. I canceled this program immediately after I realized what it was, but opting out isn't simple, you have to call customer service. I may have misremembered the price. Debt relief is about paying down debt and saving money, not spending money. Most of the things in the "money-saving" program are not essentials. They are not saving money on utilities, or any grocery store or gas station, but online fast fashion and other things that no one needs.

1 month ago

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Susan Bremerton, WA

Tatania treated me with great kindness and consideration, as has everyone else associated with the company with whom I have been in contact. My questions are answered promptly and clearly, and I can't remember ever having to call more than once to get them answered fully. I very much appreciate the help and encouragement I have received in very difficult circumstances. Keep up the good work, and God bless you, every one!

1 month ago

Reply from Consolidated Credit Solutions, Inc.

Hi Susan, 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.

May. 12th, 2021

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Dell Beck Crystal Lake, IL

They handled all of my debt into one monthly payment with the knowledge to help me achieve zero debt in the best way posssible

4 days ago

Reply from Consolidated Credit Solutions, Inc.

Dear Dell, 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 Consolidated Credit's website. It’s a fun interactive, financial literacy course that can teach you everything from basic budgeting to buying a home.

Jun. 16th, 2021

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Zasza Suitland, MD

Consolidated Credit has drastically lowered my interest rates making my payments lower. Signing up was the best thing i could’ve done for my credit!

1 week ago

Reply from Consolidated Credit Solutions, Inc.

Welcome aboard Zasza! 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 or what you can expect now that you’re enrolled, please don’t hesitate to call us. We’re here to help!

Jun. 16th, 2021

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Jena Siren Taylor, MI

I love the friendly help and counseling I've gotten from the staff. This program literally saved my financial life and I am so grateful. Tatiana set up my final payment and was so helpful and kind. Thank you all so much for helping me when I felt like I was drowning.

2 months ago

Reply from Consolidated Credit Solutions, Inc.

Congratulations on the successful completion of your debt management program Jena! We’re glad we could help! Go ahead 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 our YouTube Channel yet, we invite you to subscribe to Consolidated Credit's channel. We’re constantly adding new videos that can help you become more financially savvy.

Apr. 14th, 2021

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Debbie Hurley Wenatchee, WA

From the day I signed up over a year ago, EVERY TIME I have made contact with agents they have been nothing but KIND, COURTEOUS, RESPECTFUL, and sometimes funny. I may have cried a time or two but felt nothing but empathy and it's been HAPPY tears. Thank you CCCrew!

2 months ago

Reply from Consolidated Credit Solutions, Inc.

Hi Debbie, 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. 29th, 2021

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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.

5 months ago

Reply from Consolidated Credit Solutions, Inc.

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.

5 months ago

Reply from Consolidated Credit Solutions, Inc.

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

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Bryan Hepler Colorado Springs, CO

Excellent to work with so far, getting started was pretty easy and everyone i have spoken to has been very accommodating.

2 weeks ago

Reply from Consolidated Credit Solutions, Inc.

Welcome aboard Bryan. 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. 3rd, 2021

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Daryl W Hawthorne Arkansas City, KS

Made my bills more manageable, and helped me breath a little easier. I've received prompt service when I have questions, and the website is very thorough and intuitive.

1 month ago

Reply from Consolidated Credit Solutions, Inc.

Hi Daryl, 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!

May. 12th, 2021

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William Russell Lexington, MA

They got my interest rates cut in half and made it easy as heck to pay down debt as they combined my debt and now I just make one payment a month and they do all the work - nice ethical people.

2 months ago

Reply from Consolidated Credit Solutions, Inc.

Hi William, 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.

Apr. 21st, 2021

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Tameka Gilmore-Pace Bunnell, FL

The communication is awesome. They really help me out with my credit problem

1 day ago

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Juan N Soto ,

My name is Juan Soto. My wife was the one to fine your co. I did not think this could have happen, it was a big help. Tatiana was very, very help fall and spoke very clearly. I'm glad there's still some help out there. Thank You, Juan N. Soto Jr.

4 months ago

Reply from Consolidated Credit Solutions, Inc.

Hi Juan, 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.

Feb. 9th, 2021

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Verified Customer

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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.

1 year ago

Reply from Consolidated Credit Solutions, Inc.

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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Verified Customer

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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.

1 year ago

Reply from Consolidated Credit Solutions, Inc.

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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Edward Corley Charlotte, NC

Consolidate Credit has been a pleasure to work with and they have been very helpful in handling my situation.

4 weeks ago

Reply from Consolidated Credit Solutions, Inc.

Hi Edward, 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 or what you can expect now that you’re enrolled, please don’t hesitate to call us. We’re here to help!

Jun. 3rd, 2021

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Wendy Trillo Charleston, WV

I am just getting started with the program and I already feel like I can breath a little easier. I see a light at the end of a long, dark tunnel!!

1 month ago

Reply from Consolidated Credit Solutions, Inc.

Welcome aboard Wendy! 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!

May. 6th, 2021

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kristie.adonizio Philadelphia, PA

I LOVE this company... I never would have been able to get out of debt without them. This place is seriously such a miracle, and I have so much appreciation for them!!

2 months ago

Reply from Consolidated Credit Solutions, Inc.

Hi kristie.adonizio, 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 our YouTube Channel yet, we invite you to subscribe to Consolidated Credit's YouTube channel. We’re constantly adding new videos that can help you become more financially savvy.

Apr. 7th, 2021

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Alan L Atlanta, GA

Excellent, we'll prepared staff. Lays out plan and explores options with you. Have used twice and both times they have been a positive during hard times in my finances.

2 months ago

Reply from Consolidated Credit Solutions, Inc.

Hi Alan, 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.

Apr. 7th, 2021

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Maribel Arebalos Cologne, MN

Ever since I started working with Consolidated Credit I have experienced financial freedom and now see a light at the end of the tunnel. I am very satisfied with their service.

3 months ago

Reply from Consolidated Credit Solutions, Inc.

Dear Maribel, 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.

Mar. 8th, 2021

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Antonio Phoenix, AZ

they are very helpful in setting up my debt consolidation plan. they walked me through what i was going to be paying and how it will help me in the long run, better than if i was not using them to consolidate my debt.

3 months ago

Reply from Consolidated Credit Solutions, Inc.

Welcome aboard Antonio! 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.

Mar. 8th, 2021

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tammi chambers Cincinnati, OH

program was really helpful customer service was great

2 days ago

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Amy Peter's Kennedy Hazleton, PA

Crystal, I apologize if the spelling is incorrect of her name. She was absolutely excellent wonderful pleasant very sweet and extremely personable. I think she should be recognized for doing such a wonderful job. She made it a very good experience.

4 months ago

Reply from Consolidated Credit Solutions, Inc.

Hi Amy, Thanks for calling. 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.

Feb. 3rd, 2021

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terry badgett St Louis, MO

I'm very happy with the handling of my accounts with Consolidated Credit - they keep me informed as accounts are paid off and work with me in the event I need to add another account. I believe this is the best decision that I've made for myself to improve my credit and get my spending under control.

4 months ago

Reply from Consolidated Credit Solutions, Inc.

Hi Terry, 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. 3rd, 2021

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Hannah Shelton ,

I appreciated the program. The staff was kind. I first used the automatic deductions from a checking account, however I ended up doing Money Order payments by the end. I could control when the money orders came out, which was helpful. The only thing I hated was looking around for the address to mail in my payments every month. There was not a quick email to reference the payment address, nor could I find it on my account. I had to look in my email to when I first started the program.

5 months ago

Reply from Consolidated Credit Solutions, Inc.

Hi Hannah, 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 or what you can expect now that you’re enrolled, please don’t hesitate to call us. We’re here to help!

Jan. 12th, 2021

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Daniel Sharlow Albany, NY

This company is great to help lower credit card debt. They work with company to get wayyyy lower interest rates, some of mine were even 0%! They give you a manageable payment plan and you can add cards on at anytime and get out of debt within 2 - 4 years!

5 months ago

Reply from Consolidated Credit Solutions, Inc.

Hi Daniel, 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 our YouTube Channel yet, we invite you to subscribe to Consolidated Credit. We’re constantly adding new videos that can help you become more financially savvy.

Jan. 12th, 2021

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[email protected] Charlotte, NC

I like the fact that I have used them before and they were always polite and helped if I had any questions. I am extremely pleased that they helped me get out of debt and now they are helping me again. Thanks Consolidated Credit.

5 months ago

Reply from Consolidated Credit Solutions, Inc.

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 consolidatedcredt.org. These will help you learn strategies to avoid challenges with debt in the future.

Jan. 12th, 2021

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Verified Customer

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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!

1 year ago

Reply from Consolidated Credit Solutions, Inc.

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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Verified Customer

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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.

1 year ago

Reply from Consolidated Credit Solutions, Inc.

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.

1 year ago

Reply from Consolidated Credit Solutions, Inc.

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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Verified Customer

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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.

1 year ago

Reply from Consolidated Credit Solutions, Inc.

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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Verified Customer

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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.

1 year ago

Reply from Consolidated Credit Solutions, Inc.

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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Charlie Chen Huntington Beach, CA

great service so far. Thank you for making it possible to reduce debt without hurting credit!

4 weeks ago

Reply from Consolidated Credit Solutions, Inc.

Welcome aboard Charlie! 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. 3rd, 2021

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Angela Martinez Katy, TX

My credit card balances are getting lowered. I have already closed multiple accounts using Consolidated Credit. I'm very happy with the service!

2 months ago

Reply from Consolidated Credit Solutions, Inc.

Hi Angela, 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.

Mar. 29th, 2021

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Rene Grovetown, GA

My credit score increased dramatically. I paid my loans off a year in advance and was able to breathe again after massive credit card fees maxed me out. I am very happy!

3 months ago

Reply from Consolidated Credit Solutions, Inc.

Congratulations on the successful completion of your debt management program, Rene! We’re glad we could help! Go ahead 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 our YouTube Channel yet, we invite you to subscribe to Consolidated Credit on YouTube. We’re constantly adding new videos that can help you become more financially savvy.

Mar. 18th, 2021

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preciadofamily ,

The process has been easy , with great support from the organization. They have given me the chance to ask questions and kept me informed every step of the way.

3 months ago

Reply from Consolidated Credit Solutions, Inc.

Welcome aboard Preciadofamily! 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. 18th, 2021

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Laken Ackroyd ,

Amazing! Words cannot express how pleased I am with this program! From start to finish, customer service was wonderful, payments a breeze and I saved so much money on interest I was able to complete the program a year early!

4 months ago

Reply from Consolidated Credit Solutions, Inc.

Congratulations Laken! We’re glad we could help you! Go ahead 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.

Feb. 15th, 2021

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Minerva Gonzalez ,

I Love Consolidated Credit, i really see a difference in the balances of my debt. Thank you Consolidated Credit for all your help and they also have an amazing customer service..always kind and helpful.

5 months ago

Reply from Consolidated Credit Solutions, Inc.

Hi Minerva, 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!

Jan. 12th, 2021

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Audrey Robillard Fort Lauderdale, FL

The ease of following the plan. The efficiency and accuracy of updated reports. The flexibility of changing due dates for a small fee. The speed at which my debts were paid down was awesome. The program reduced my debt anxiety.

6 months ago

Reply from Consolidated Credit Solutions, Inc.

Hi Audrey, 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 our website. These will help you learn strategies to avoid challenges with debt in the future. We appreciate you and thank you for allowing Consolidated Credit to assist you.

Dec. 10th, 2020

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Cat Waynesboro, VA

I have no complaints so far. Everything was explained in simple, easy to understand terms and anytime I have a question or concern, it is addressed in a timely manner. The customer service representatives are always friendly and very polite, yet knowledgeable and easy to understand.

8 months ago

Reply from Consolidated Credit Solutions, Inc.

Welcome aboard Cat! 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.

Oct. 1st, 2020

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Verified Customer

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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.

1 year ago

Reply from Consolidated Credit Solutions, Inc.

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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Verified Customer

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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.

1 year ago

Reply from Consolidated Credit Solutions, Inc.

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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Verified Customer

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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.

1 year ago

Reply from Consolidated Credit Solutions, Inc.

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.

1 year ago

Reply from Consolidated Credit Solutions, Inc.

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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Verified Customer

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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.

1 year ago

Reply from Consolidated Credit Solutions, Inc.

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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Verified Customer

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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

1 year ago

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brittany levine Metairie, LA

I like that the company is legit and I’ve successfully been paying off my debt.

3 weeks ago

Reply from Consolidated Credit Solutions, Inc.

Hi Brittany, 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 Consolidated Credit's website. It’s a fun interactive, financial literacy course that can teach you everything from basic budgeting to buying a home.

Jun. 3rd, 2021

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Mohamed Jalloh Fargo, ND

I love the company because it helps reduce my debt, However, I don't like the amount of money they are charging for their services.

1 month ago

Reply from Consolidated Credit Solutions, Inc.

Hi Mohamed, 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!

May. 12th, 2021

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