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 cost 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.

View Consolidated Credit Reviews

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 up to $79, a standard fee for debt management programs.

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

Less regulated are the interest rates Consolidated Credit can negotiate with lenders, including credit card companies. It 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. Its counseling services are available to people struggling with unsecured debt in every U.S. state. Consolidated Credity 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 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

  • Monthly Fees
  • Not NFCC Certified
  • Limited Website Information

Monthly Fees

Although its monthly fee is not significantly high, it is pricier than the industry average. Consolidated Credit charges a fee up to $79, which is a little higher than some of the competition.

This is most likely offset by the monthly savings and the much lower interest rate it provides. While this higher fee may be worth the savings in the long run, it is worth noting to potential customers.

Both the upfront-fee and monthly fee rates are subject to the state where the consumer resides, who the creditors are, and the amount of money owed. Potential clients should take advantage of the free consultation to learn specific cost information for their situation.

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 standard 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 ISO and 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 their 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.

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.

While one could dwell on the max $79 monthly fee, most Consolidated Credit clients will have a smaller monthly fee payment. Customers are also 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 49 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, 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.

We'll Introduce You!

Call our recommended rep over at Consolidated Credit below.

1-(844) 720-3995

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User Reviews

Star Rating

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585 Reviews

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R.Moreno
November 13th, 2019 Glendale, AZ

I can’t THANK all representatives enough! This situation is already very embarrassing and makes you feel hopeless. This team took the shame and worry off my shoulders with grace and understanding and gave me hope. I’d highly recommend you all to anyone I know that is in my same situation.

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Tim J
November 13th, 2019

Everyone that I have spoken with at Consolidated Credit has been absolutely a pleasure to work with, and very helpful in getting me through the process.

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Karen
November 11th, 2019 Castaic, CA DETAILS
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I spoke with Tatiana today about an issue with one of my accounts and she “Took the bull by the horns” immediately! She was very kind & caring about my problem 😀 Thank you so much Tatiana for all of your help!

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Cheryl Jayne Bunn
November 11th, 2019 Altadena, CA

The two gentleman I spoke with were very helpful and I enjoyed talking with both

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Saving
November 7th, 2019 Chicago Heights, IL DETAILS
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He was amazing and made my day. I love this company

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Shelly
November 5th, 2019 Dunedin, FL DETAILS
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Consolidated Credit helped me get back on track after a chain reaction of unexpected debt. Plus, I was able to consolidate a high interest rate credit card to lower my monthly payments! Every time I call, I receive quick, knowledgeble and professional service!

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Judith B Salter
October 25th, 2019 DETAILS
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Everyone I have spoken to has been so considerate and helpful!

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John N. Krupey
October 22nd, 2019 Washington, PA DETAILS
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Consolidate credit and there customer servant agent's help me resolve my credit problems. It was a long journey I suggest to anyone to work with consolidated credit and there agents to resolve your credit problems. The program works there staff will do everything possible to help you.

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Rob
October 17th, 2019 Harlingen, TX DETAILS
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Tatiana is awesome! Very helpful and detailed.

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Galen
October 16th, 2019 Gardner, MA

Tatiana was super great 👍she took care of my questions clearly So I could understand my inquire.Thank you again for your service.Galen.

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Ivan Lopez
October 14th, 2019 Cortlandt Manor, NY DETAILS
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Tatiana was extremely professional and cordial.

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Gloria Begovich
October 14th, 2019 Skokie, IL DETAILS
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Since I started doing business with Consolidated Credit, I have always had a satisfying experience. The representatives have always been professional and very helpful.

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Cristina
October 4th, 2019 Marrero, LA DETAILS
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Enrolling to this program was a big help for me. I just have couple months left to be out of debt. Thank you consolidated credit.

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Phil Church
October 3rd, 2019 Bremerton, WA DETAILS
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Thank you ..Thank you .. Thank you .. for getting my credit back in line and I'm VERY HAPPY I found your company and working with your company was very easy and all of your agents are very helpful and friendly ... Thank's again ..

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John W.
September 30th, 2019 Conover, NC DETAILS
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My experience with Consolidated Credit has been very good. I had an issue with one of my creditors and Tatiana helped me resolve that in a very timely manner. We have been very pleased with Consolidated Credit to this point.

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BrittanyB
September 30th, 2019 Westport, IN DETAILS
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I love having my debt consolidated in one payment and knowing that I'm getting myself out of the debt cycle. I called today to make a payment and I was informed and to cancel my auto pay. I talked to two different employees due to a dropped call, but both were so helpful and kind in taking care of my payment.

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Micheline Savoie
September 27th, 2019 Stockton, CA

I am new to this program and I am very happy to have help when I call them. They have been very nice and patient with me.

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Jacquelyn A Meyers
September 25th, 2019 Altoona, PA DETAILS
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Tatiana was efficient, courteous and knowledgeable

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Lisa Cohen
September 24th, 2019 Boynton Beach, FL DETAILS
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Tatyana was very helpful and informative. Very professional and an asset to consolidated credit.

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Martin
September 23rd, 2019 Vail, CO DETAILS
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I had a great experience with Consolidated Credit. They were very attentive, helpful, and working with me to make the plan work for me. When I realized my debt was way above my head they helped me, renegotiated interest rates - many creditors changed the interest to 0%, some reduced it significantly. I started with way over $49k debt and now I only have about five months to go and be debt free. This will save me a huge amount of money and a lot of stress. The biggest thing is that their plan helps you to put your effort in order so I could see the light at the end of the tunnel.

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Sally Adams
September 17th, 2019 Binghamton, NY

So far am satisfied and actually pleased. Do feel that consolidated credit actually wants to help me out in my dilemma. McNeil and Miguel have explained program at a level that I understand so I can follow through to meet my expectations on my behalf of the program. Do want All to know my stress relief is great if all works out as planned. Like to thank all involved in making this possible.

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Edward E Starkes, Sr
September 13th, 2019 Somers, CT DETAILS
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Fast,attentive service. Very friendly too! Keep up the great work

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Corenne SpiveyCory
September 11th, 2019 Port Richey, FL DETAILS
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Great service got me out if a tight spot. Very easy to communicate with and very customer oriented.

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Debra
September 10th, 2019 Middletown, CT DETAILS
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My accounts are getting paid off and it’s an awesome feeling. I’d recommend Consolidated Credit!

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Amy
September 9th, 2019 Chester, VT DETAILS
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Tatiana was a great help today! I always have a wonderful interaction with your entire team.

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Sherri
September 9th, 2019 DETAILS
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It was a pleasure working with Tatiana She was very helpful and courteous.

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Bertha
September 6th, 2019 San Antonio, TX DETAILS
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spoke to the agent katasha she was great she was wonderful friendly courteous assisted me I couldn't have had a better experience today thank you so much for having people like her on your staff.and thank you guys for what y'all are doing with our cards for their credit and everything it is really helping us and it is so good to not feel so stressed.

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Kelly K
September 6th, 2019 Portsmouth, OH

I just started with CC but everyone is very helpful and understanding. I am encouraged in knowing that I will be debt free and I am not alone in the process.

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NO NAME NO PUBLISH, SO YOU ARE FRAUD TO, I CAN SUE YOU TO FOR STANDING BY CRIMINALS
September 6th, 2019 La Mesa, CA DETAILS
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The money I paid Consolidated Credit, $50. per month for 2 years, DID NOT GO TOWARDS MY BANK CARD CREDIT CARD AT ALL. THEY COMMITTED FRAUD. THE MONEY WENT STRAIGHT TO THEM TO FILL THEIR GREEDY POCKETS. AND IM PRETTY SURE THEY WERE SUED BY THE GOVT. I WANT MY MONEY BACK WITH INTEREST! THE WORLD IS A DANGEROUS PLACE. DO NOT UNDERESTIMATE THE POWER AND INTELLIGENCE OF A CONSUMER/CLIENT THAT YOUR COMPANY DEFRAUDED.

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Reply from Consolidated Credit

Sep 12, 2019

We are sure you do not have the correct organization. Please email [email protected] with your name and client number to verify that you are a client. You may also call us at 1-877-201-7780.

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Chrissy
September 6th, 2019 Denver, CO DETAILS
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Great Customer Service, answered all my questions with great info and help.

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Kenneth McWhorter
September 6th, 2019 Colbert, GA DETAILS
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All of my questions were answered professionally and the personal that I spoke with exhibited excellent customer service.

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Anthony
September 5th, 2019 Stamford, CT DETAILS
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Everything was explained to me so I understood and the representative was extremely helpful.

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Faith L. Chun
September 5th, 2019 Vallejo, CA DETAILS
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Nothing much to write except that Tatiana was very courteous, pleasant, and able to share what I needed to do to change my banking information. It is very nice to hear some gentle voice considering what I had gone through with my checking being hacked and then closed. All that I had to do was very stressful, therefore, I thank Tatiana for making my phone call very pleasant. Again, thank Tatiana for the information needed to fix my checking account number so there wouldn't be any interruptions with my payments.

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Carmen
September 3rd, 2019 Freeport, NY DETAILS
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The experience so far has been very helpful. I have just started with Consolidated Credit. I need more time to see and express my experience with Consolidated Credit. Thank you

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John Brown
August 30th, 2019 Fort Lauderdale, FL DETAILS
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I am overall happy with the plan. I wish there were more payment date options. I have to send money orders because the ACH has a fee with this plan.

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AB
August 29th, 2019 Columbia, MD

The representative that I spoke to was great. They knew exactly what to communicate and what questions to ask.. Great Job!!!

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Julie
August 27th, 2019 Justice, IL DETAILS
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Great customer service, very knowledgeable, kind and friendly.

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Karen
August 19th, 2019 Prospect Heights, IL DETAILS
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Do not trust this company. They give you false information. I got a contract were it states they can consolidate my medical and credit cards. I accepted and signed the contract. Then they said cannot help me with medical Bill's which is why I signed the contract. They still charge to my bank account even when I cancelled the contract the date after. This company steals many. DO NOT TRUST THEM.

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Reply from Consolidated Credit

Aug 28, 2019

Dear Karen, After reviewing your account, we found that the payment you are referring to was never actually made and the payment had not gone through. If you are stating that money was withdrawn from your account, please contact Client Services with proof from your bank so we can rectify this error. Consolidated Credit has been in business for more than 26 years and has helped over 6.5 million Americans get out of high interest rate credit card debt and unsecured debts which include personal loans, signature loans, store credit lines for furniture and electronics and in some cases, payday loans and unpaid medical debts that have gone to collections. Unpaid medical bills may be included on the program, but it’s up to the discretion of the debt collectors and there is no interest charged on these types of accounts so your benefit is solely not having to make a separate payment to them. Please watch this video: https://www.consolidatedcredit.org/debt-management-program/ for more information on how a debt management program works and the benefits. We can still help you with your credit card debt if you would like to discuss it with a counselor.

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Blessing jasi
August 16th, 2019 Rockville, MD DETAILS
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Great and quick response.Very professional and knowledgeable.

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William T. DiVietro
August 16th, 2019 Pomona, NY

After a rocky start in regard to my first monthly payment, the situation was resolved. They first thought the money went through Western Union. When it was sent back, I informed them that it went through my checking account They then made the mistake of leaving out the last number of my checking account; I then had to correct them of the problem. Finally the money went through and the next two monthly payments went through properly.

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Reply from Consolidated Credit

Aug 27, 2019

Hi William, Thank you for allowing Consolidated Credit to assist you. We regret the clerical error but happy to hear that the issue has been rectified in a timely manner. Please do not hesitate to reach out to us if you have questions regarding the program. We are here to help you and make the getting out of debt process easier. We appreciate you and wish you the very best on your journey out of debt.

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Mary
August 16th, 2019 Des Moines, IA DETAILS
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Because you are doing a great job handling my bills.

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Don
August 13th, 2019 Newark, DE DETAILS
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Concise to the point interaction today. Glad these cards will be paid in 3 years.

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Curtis
August 11th, 2019 Chelsea, MA DETAILS
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They have kept me well informed of every step that has been made with documentation. when I missed a phone call from them they left a message and sent an e-mail asking me to contact them so I was kept well aware of the situation. When I returned the call I spoke to Tatiana who was very courteous and helpful.

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Norma Harris
August 8th, 2019 Bedford, OH

The staff was very knowledgeable,and I was comfortable talking to them concerning my situation

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Lanna
August 7th, 2019 Omaha, NE DETAILS
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So far I’ve had a great experience with consolidated credit! Customer service is always helpful and respectful. I am glad I chose this company to go through to help eliminate my debt. It’s been encouraging to watch my credit card debt dwindle down each month without such high interest rates from my original creditor.

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Aaron
August 6th, 2019 Fortuna, CA DETAILS
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Before I received help from Consolidated Credit Solutions I was swimming in high interest debt. I was late on a few of my cards because I couldn't pay the 500 dollars in minimum payments per month. Because of this I was receiving calls from collection companies daily. Most other large lenders wouldn't give me a good deal on any debt consolidation loans. Consolidated Credit Solutions helped negotiate my interest rates on my credit cards to a manageable rate, and with their monthly payment plan I was able to pay off my debt in 3 years. They even let me keep one of my cards open for emergencies. I couldn't be happier with the outcome because my credit score didn't take a hit by having them negotiate for me, on the contrary it helped it dramatically. Having no missed payments for 3 years on my cards put me in the position to buy a house! Which I feel should be the goal when it comes to credit scores. Thank you Consolidated Credit Solutions for your expertise, excellent customer service, and endless support.

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Clint W.
August 5th, 2019 Atlanta, KS DETAILS
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I have been receiving letters from my creditors and needing help getting them uploaded to get the issues resolved. I am so great full for all the help i’ve Been getting so far.

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Calena Terry
August 5th, 2019 Hillside, IL DETAILS
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Needs improvement on accuracy of account balances.

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Charles A Merrill Sr
July 31st, 2019 Petersburg, VA DETAILS
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Very personable, Genuine interest in finding solutions, Friendly and courteous.. You come away feeling you have someone in your corner....

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Golden
July 30th, 2019 Missoula, MT

So far so good. I just started the program and it has been so easy! Hopeful