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Consolidated Credit

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8.2

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LAST UPDATED: February 19th, 2024

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

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4.9

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1,282 Reviews

Review Breakdown

5 grade

86%

4 grade

8%

3 grade

2%

2 grade

1%

1 grade

2%

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Tammy Boris Pittsburgh, PA

We liked that we were excepted to be in this program when we were so far in credit card debt. It was easy that the amount was taken out of our account each month and our bills were paid. We did not have to worry. We thank you so much ❤️

2 days ago

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Juan Contreras CA

I like that they handle my debt for me n gave peace in my mind. Im stress free now. And the deals they worked for me have been saving me tons of money. I truly recommend it.

2 days ago

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Gloria Allen Oakboro, NC

They helped me pay off 5 credit cards and I did it!! Thank you for your help. I never had nay issues with the company. Am extremely satisfied and excited

6 days ago

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Reply from Consolidated Credit

Dear Gloria, That's a fantastic result and we're so happy you've graduated and paid off five cards! This is an achievement we hope you'll celebrate, and we appreciate the chance to be your partner in this journey. If you’ve been happy with our service, please consider referring us to family and friends! Tell them to give us a call at 877-987-3337. Don’t forget to follow us on Facebook, YouTube, and everywhere else: https://tinyurl.com/zbuerhax

Feb. 16th, 2024

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soncarmel Orlando, FL

Claudia B has been incredible. She already explained everything to me with wonderful patience, in addition every question was answered, and I have no doubts about the program for which her company is providing me the service.

3 weeks ago

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Reply from Consolidated Credit

Hi Soncarmel, It's a treat to hear that Claudia has taken such good care of you and answered all your questions fully! If you ever do have additional questions in the future or want extra help, please don't hesitate to reach out. If you ever recommend us to anyone, tell them to call 877-987-3337. You can also stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

Feb. 16th, 2024

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LeeAnne McHugh Safety Harbor, FL

I paid little attention to this account once I addressed the $9,000.00 plus credit balances included in this plan and had monthly payments set up with Consolidated Credit. I am AMAZED that in just 3 years over $6,000.00 has been cleared from that huge balance. I am so happy that I decided to get help with that debt.

4 weeks ago

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Valerie Vanarman Martinsville, VA

I was nervous about Trusting a company with Personal Financial Information and unsure if the services would be worth it. I'm very pleased with Consolidated Credit. Their customer service is fantastic. They know what they are doing and has helped me tremendously. Would definitely recommend. I don't normally leave reviews but when a company seems to go above and beyond for their customers, a review in my opinion is needed. Thank you!

1 month ago

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Reply from Consolidated Credit

Dear Valerie, Thank you for taking the time to share your experience in detail. We understand that trust in this industry is not easily earned, and we're thankful for the opportunity to help you achieve your financial goals! Don't forget, we're always available if you have any questions in the future or need additional help. Please consider referring us to family and friends! Tell them to give us a call at 877-987-3337. Don’t forget to follow us on Facebook, YouTube, and everywhere else: https://tinyurl.com/zbuerhax

Jan. 12th, 2024

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Statia Gordon

It’s been a pleasure working with consolidated team everyone was helpful in getting me to my goals of paying off my debt thanks consolidated credit!!!!!! Oh by the way my final payment is next month

4 weeks ago

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Reply from Consolidated Credit

Dear Statia, Congratulations on being so closed to paying off your accounts! We're always happy to see people graduate and wish you the best in your debt-free life. Thank you for having us along your journey! If you’ve been happy with our service, please consider referring us to family and friends! Tell them to give us a call at 877-987-3337. Don’t forget to follow us on Facebook, YouTube, and everywhere else: https://tinyurl.com/zbuerhax

Feb. 16th, 2024

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Clara Maendel Americus, GA

I liked how well it was to get a person on the phone, not auto computer voice guiding me for too long. What I didn't like were the added fees.

1 week ago

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Reply from Consolidated Credit

Hi Clara, We appreciate you taking the time to leave a review. We're glad you found the responsive and live customer service you deserve! We also understand that nobody likes fees, but hope you understand that our fees are designed to be much lower than the amount you would have paid in interest over the life of the program and that these costs are necessary to keep our nonprofit teams employed. However, if you feel your fees are too high or your situation has changed, client services would be happy to review your file and see if you don't qualify for a reduced fee. You can speak with them at 877- 201-7780.

Feb. 16th, 2024

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9wes Music Group Aurora, IL

In the face of life's challenges, hope emerges. Discovering Consolidated Credit felt like stumbling upon a hidden gem, a rare and valuable opportunity. I'm immensely grateful to be part of this new program.

1 month ago

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MAY HARDY-PIPER Belfast, ME

I am so glad that I found Consolidated Credit. I am extremely satisfied with the way they are working toward getting my creditors paid. They took the burden off my mind and gave me a sense of accomplishment. Thank you!!

1 month ago

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Reply from Consolidated Credit

Hi May, Thank you for giving us the opportunity to be part of your journey out of debt! We're delighted to take some pressure off you and help simplify your repayment process. If you ever recommend us to anyone, tell them to call 877-987-3337! You can also stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

Jan. 12th, 2024

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Jesse Adan Los Angeles, CA

I encourage people that are struggling financially to get on this program that has helped me to be stress free of paying crazy interest rates and keeping up with a variety of due dates thanks consolidated credit!!!

1 month ago

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Reply from Consolidated Credit

Dear Jesse, Your kind words and recommendation are appreciated! We're happy to relieve some of your stress and reduce your interest rates. If you’ve been happy with our service, please consider referring us to family and friends! Tell them to give us a call at 877-987-3337. Don’t forget to follow us on Facebook, YouTube, and everywhere else: https://tinyurl.com/zbuerhax

Jan. 12th, 2024

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patrizia pesce

Great organization It helped my greatly in a moment of need, great customer service, no hidden fees, no gimmicks, simply a serious, useful organization, I recommend them highly!!!

2 months ago

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Reply from Consolidated Credit

Dear Patrizia, We're glad to provide the help you needed during this difficult time! If you ever have any questions or need additional help in the future don't hesitate to reach out. Please consider referring us to family and friends! Tell them to give us a call at 877-987-3337. Don’t forget to follow us on Facebook, YouTube, and everywhere else: https://tinyurl.com/zbuerhax

Nov. 29th, 2023

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SUNSHINE LANDFAIR Chicago, IL

I appreciate the above and beyond customer service and support I've been able to receive from them. I'm truly grateful for them because my finances and credit scores have improved dramatically in just 3-4 months.

2 months ago

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Reply from Consolidated Credit

Hi Sunshine, Fantastic customer service is one of our main goals and we're pleased to hear that's exactly what you've received! It's also great that your credit score is already seeing such an improvement. Thank you for having us as your partner to getting out of debt. If you’ve been happy with our service, please consider referring us to family and friends! Tell them to give us a call at 877-987-3337. Don’t forget to follow us on Facebook, YouTube, and everywhere else: https://tinyurl.com/zbuerhax

Nov. 29th, 2023

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Connie

This company is diligent in making sure payments are made, and if you have any issues or questions, the customer service is excellent. We have had no problems whatsoever in working with Consolidated Credit. I am just so thankful that they were there when we needed them.

3 months ago

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Reply from Consolidated Credit

Hi Connie, We understand how important it is for us to be a trustworthy partner on your journey to getting out of debt. We're extremely pleased to hear our teams have always met those high expectations! Thank you for giving us the opportunity to assist you through this process. If you’ve been happy with our service, please consider referring us to family and friends! Tell them to give us a call at 877-987-3337. Don’t forget to follow us on Facebook, YouTube, and everywhere else: Facebook - https://tinyurl.com/a5d3rs5y YouTube - https://tinyurl.com/55whhtk2 Instagram - https://tinyurl.com/yv5j3rka X - https://tinyurl.com/yckxz84w

Nov. 10th, 2023

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Chasiti Mobley Desert Hot Springs, CA

I really like how they did all the negotiating with my creditors for me and got the interest rates lowered and helped me come up with a plan for resolution in a realistic kind of way. When circumstances in my life changed they helped again with making some adjustments to accommodate my request in the best way they could.

3 months ago

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Reply from Consolidated Credit

Dear Chasiti, We try to make our program as easy as possible and are happy to know we've been able to help you. Don't hesitate to contact us again if you need additional help or have any other questions! Stay up to date with us, follow us on Facebook and YouTube: Facebook: https://www.facebook.com/consolidatedcredit/ YouTube: https://www.youtube.com/user/ConsolidatedCreditCS

Nov. 6th, 2023

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Sewing Lady

Everyone I have talked to is very knowledgeable, helpful, and very polite.

2 days ago

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Carolyn Bunnitt Mesa, AZ

Consolidated Credit is a a source that was recommended to me years ago as a trusted source to pay off debt. I recommend them years ago to my friend Adrienne R who successfully paid off her debt. I started using them about 3 years ago. I love having payments paid on time, making one payment, low interest rates, low payment. I am Completely Debt Free. I am Happy and will be a better Stewart of my finances going forward. I was able to Trust this company. With my banking info. Thank you

4 months ago

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Reply from Consolidated Credit

Dear Carolyn, Congratulations on now being free of your debt! This is a huge accomplishment and one we are very proud to be your partner in. We're also very pleased to hear that you've been recommending us to your friends as well! Thank you for sharing your experience..

Sep. 26th, 2023

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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.

3 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.

4 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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Robert Philadelphia, PA

I liked the customer service because I was treated like a person not a number or looked down upon because I don't' have the money to pay these accounts! Thank you for that.

2 months ago

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Reply from Consolidated Credit

Dear Robert, We understand that everyone's situation is different debt can happen to hardworking people through no fault of their own. We're very glad to hear your counselor provided the professional, friendly service you deserve! If you’ve been happy with our service, please consider referring us to family and friends! Tell them to give us a call at 877-987-3337. Don’t forget to follow us on Facebook, YouTube, and everywhere else: https://tinyurl.com/zbuerhax

Dec. 13th, 2023

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Deana Marcha-Barrett Atlanta, GA

From the very beginning this company helped me consolidate credit cards which had become over whelming and no light at the end of the tunnel! Thank you so much consolidated credit for not shaming me and your persistence in getting a solution.

5 months ago

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Reply from Consolidated Credit

Dear Deana, We understand life has a habit of getting people into debt and we always treat people with empathy. We're pleased to hear that your counselor gave you the respect, attention, and support you deserve. Thank you for giving us the chance to help you in this process!

Sep. 7th, 2023

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Mario Olarte Boca Raton, FL

Great Program! The system is set up in a way that really works.

1 week ago

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Reply from Consolidated Credit

Hi Mario, Thank you for choosing Consolidated Credit! We're happy to know that your counselor found a program that is right for your needs and goals. If you ever recommend us to anyone, tell them to call 877-987-3337. You can also stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

Feb. 16th, 2024

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Samori Galan Catasauqua, PA

A lot of reviews like to say how people here are rude, don't help, and none of that is true at all. I'm going onto my third year soon using consolidated credit and it's been nothing but a great experience. They helped me stop my interest rates entirely on 2 of my accounts, help out when I know I can't make a payment on time. Give respect Get respect!!!

6 months ago

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Reply from Consolidated Credit

Dear Samori, Congratulations on making it three years into your program! We're very happy to hear that you've been so satisfied with our service and that the flexibility we provide has made a difference for you. Thank you for sharing your experience and we look forward to seeing you graduate from the program!

Aug. 23rd, 2023

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Marcela Amaro Dallas, TX

I 100% recommend Consolidated Credit! I struggled paying off my credit card debt for years and never seemed to make a difference in the amount I owed because of the high interest rates. Once I contacted Consolidated, they took care of everything! I am almost at the finish line and I could not have done it without their help. The customer service is great and they are always available for any questions. My credit score has never been better!

6 months ago

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Reply from Consolidated Credit

Dear Marcela, Congratulations on being nearly done with your program! Results like yours are what inspires our teams. We're very happy to have the opportunity to help you and appreciate you sharing your experience! We'd love to share your story! Please email [email protected] if you'd like to talk about your experience and help more people make the decision to call Consolidated.

Aug. 18th, 2023

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UPMC Urgent care W. Mifflin Pittsburgh, PA

I loved the service. My debts were always paid on time I did not have to worry. The next statement from my creditor always showed payment thru Consolidated. My debt is going down quickly. The withdrawal from my checking account was always prompt I did not have to worry anymore. It was a great burden lifted from my shoulders since I was scammed and this was not really my debt that I intentionally made

6 months ago

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Reply from Consolidated Credit

Hi Mifflin, We're sorry to hear that a scam caused this debt, but we are glad we're able to help you in this situation. We appreciate the opportunity to provide assistance, and are always available if you have any questions about your program!

Aug. 11th, 2023

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Joanna Wichita, KS

Consolidated Credit did an excellent job of working with the credit card companies to significantly reduce the interest charges which allowed me to pay off my debt (which seemed insurmountable) with an affordable payment plan and avoid bankruptcy. I was very overwhelmed with trying to keep up with all of the individual credit card payments on my own and Consolidated Credit took all of the worry and stress off of me by consolidating all of my debt into one monthly payment.

7 months ago

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Reply from Consolidated Credit

Hi Joanna, Thank you for taking the time to share your experience in such detail. We appreciate the opportunity to help simplify paying down your cards while also reducing your interest rates! Keep up the good work.

Jul. 18th, 2023

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Vickie Lynne Epperson Cottage Grove, OR

What I like is Consolidated ability to help me get help with my debits. Plus Consolidated has been very kind and very professional. I love the notifications I am sent and deeply appreciate the fact that Consolidated is ready to help me with anything plus keep me on top of how things are going. I am very happy with Consolidated and look forward to work with more in the future by also helping pay the debit.

8 months ago Edited June 12, 2023

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Reply from Consolidated Credit

Dear Vickie, Thank you for taking the time to leave a review! We're very glad to hear we've been able to help you and that you've had a good experience throughout your interactions with us. We're always here to be your advocate. If you have any questions about your program in the future or encounter any issues, we're just a phone call away.

Jun. 13th, 2023

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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!

3 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.

3 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.

3 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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Verified Customer

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star star star star star

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.

3 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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Verified Customer

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star star star star star

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.

4 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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star star star star star

I Jimen

I feel like I can finally breathe.. looking at all my balances go down little by little is so satisfying

1 month ago

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Reply from Consolidated Credit

Hi Jimen, Debt can really take a toll and we're pleased to help take some of that stress off you. Before you know it, you'll be graduated from the program and have no balances! Keep up the good work, thank you for sharing your experience. If you’ve been happy with our service, please consider referring us to family and friends! Tell them to give us a call at 877-987-3337. Don’t forget to follow us on Facebook, YouTube, and everywhere else: https://tinyurl.com/zbuerhax

Jan. 12th, 2024

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star star star star star

Luciana Moreno Los Angeles, CA

I like this program that what they say it’s happening. They are ready to answer and walk you through the program.

1 month ago

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Reply from Consolidated Credit

Dear Luciana, We strive to provide detailed assistance and transparent communication and are pleased to hear that's been your experience. Thank you for giving us the chance to help you reach your financial goals! If you ever recommend us to anyone, tell them to call 877-987-3337. You can also stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

Jan. 12th, 2024

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star star star star star

Donald Packard Kingwood, TX

Great company, kept all the promises they made and my debt is almost paid off. Saved thousands of dollars.

1 month ago

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Reply from Consolidated Credit

Hi Donald, Congratulations on being nearly done with your program! We hope you'll take a moment to celebrate this achievement. Thank you for allowing us to help you on this journey and for sharing your experience. Please consider referring us to family and friends! Tell them to give us a call at 877-987-3337. Don’t forget to follow us on Facebook, YouTube, and everywhere else: https://tinyurl.com/zbuerhax

Jan. 12th, 2024

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Mayra Pedraza Portland, OR

I don't feel the pressure of credit card payments, as soon I talk to one associate of consolidated credit I feel relieved and very happy 😊

2 months ago

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Reply from Consolidated Credit

Hi Mayra, It's great to hear our program has helped you reduce your monthly payments and your level of stress! Thank you for giving us the chance to help you achieve your financial goals. If you’ve been happy with our service, please consider referring us to family and friends! Tell them to give us a call at 877-987-3337. Don’t forget to follow us on Facebook, YouTube, and everywhere else: https://tinyurl.com/zbuerhax

Dec. 7th, 2023

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star star star star star

Nichole C

I have worked with CC twice over my life. They have always helped and satisfied me and my financial needs. Have recommended them to others and will always do so!

3 months ago

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Reply from Consolidated Credit

Hi Nichole, We're always happy to help however we can and look forward to seeing you graduate from our program again! If you're interested, we have a trove of educational resources here: https://www.consolidatedcredit.org/financial-education/ You can always contact us with any questions you may have or for extra help! Thank you for sharing your experience.

Oct. 31st, 2023

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star star star star star

Jennifer Sawyer

This company has helped me to get my interest rates lowered and all I have to do is make my monthly payment to them and they take care of the rest! Very greatful to them for recovering my credit!

4 months ago

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Reply from Consolidated Credit

Hey Jennifer, We're happy to do whatever we can to make paying down debt easier, we're glad you're enjoying the program so far! Thanks for sharing your experience.

Oct. 16th, 2023

star star star star star

Lori Johnson Big Lake, MN

This is my first time working with Consolidated. They were very understanding, patient, and kind! They walked me through everything, and answered all my questions. Thank you! Consolidated!

4 months ago

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Reply from Consolidated Credit

Dear Lori, We appreciate the chance to help you through the process of getting debt free! Thank you for letting us know you received the great customer service you deserve.

Oct. 13th, 2023

star star star star star

Mark Snider Happy Valley, OR

I am very pleased with Sharon's expertise and most importantly caring in this time of difficulty it was a hard phone call to make but I am so glad that I did it because your company and your people are extremely helpful

5 months ago

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Reply from Consolidated Credit

Hi Mark, We understand how difficult it can seem to take this first major step on the path to getting free of debt, and we're very happy to hear Sharon provided the help and empathy you needed. We're here to be your advocate and are always available if you have any questions in the future or need extra help. Thank you for giving us the chance to assist you!

Sep. 22nd, 2023

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star star star star star

rosemary flis Jacksonville, FL

Sharon is an absolute jewel. wonderful to work with and provided a smooth working experience. i feel fortunate to have found your company. i spoke with several before you and all could not offer whati wanted.

5 months ago

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Reply from Consolidated Credit

Dear Rosemary, Thank you for letting us know that Sharon provided the help, experience, and friendliness that you deserve. We feel lucky you found us as well, and are happy that we were able to help you in this way!

Sep. 7th, 2023

star star star star star

Michael Baker Milwaukee, WI

So helpful Easy to deal with very friendly

1 week ago

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Reply from Consolidated Credit

Hi Michael, We understand the importance of friendly, helpful service and are pleased to hear you've been receiving it. Thank you for sharing your experience! We’ve been counseling people through credit challenges for free since 1993! If you recommend us to family or friends, tell them to call 877-987-3337. We’re here to be your advocate - stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

Feb. 16th, 2024

star star star star star

Cat Knight Alexandria, VA

Consolidated Credit was a lifesaver for me. They lowered my interest rates on my credit cards by a LOT, making them manageable. Best of all, they keep track of and pay your cards every month so you don't have to worry about it.

7 months ago

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Reply from Consolidated Credit

Dear Cat, We're happy to hear that we were able to make a difference for you! Welcome to the program and we look forward to seeing you graduate. Thanks for giving us the opportunity to help you.

Jul. 7th, 2023

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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.

3 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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Verified Customer

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star star star star star

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.

3 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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Verified Customer

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star star star star star

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.

3 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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star star star star star

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.

3 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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Verified Customer

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star star star star star

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.

4 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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Verified Customer

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star star star star_border star_border

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

4 years ago

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star star star star star

rodney mendieta Fort Lauderdale, FL

Excellent services and the customer service is top notch, Kudos to Jose T.

3 weeks ago

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Reply from Consolidated Credit

Hi Rodney, Thank you for sharing your experience and letting us know that Jose went above and beyond for you! If you recommend us to family or friends, tell them to call 877-987-3337. We’re here to be your advocate - stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

Feb. 16th, 2024

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