Consolidated Credit

• 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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• 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.