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.

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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 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

4.7
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629 Reviews

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Rhonda Bast

February 14th, 2020 Racine, WI DETAILS arrow_drop_down
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I would give more stars if I could have. Everyone there is fantastic. On February 14, 2020, I had the best customer service representative (Bob). Do what you can to keep him as he is AMAZING!!! Thank you for all that you do with helping people with debt!!!

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david hurston

February 13th, 2020 Williamstown, KY DETAILS arrow_drop_down
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very courteous and helpful ,to the point and friendly

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Hector Dacosta

February 11th, 2020 Oakland Gardens, NY DETAILS arrow_drop_down
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Tatiana was professional and courteous and responded to my inquiry quickly.

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[email protected]

February 11th, 2020 Hanford, CA

It was learning experience and gave me an idea of what I was up against

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tina thompson

February 6th, 2020 Burbank, CA DETAILS arrow_drop_down
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Great service. I am finally able to start getting out of debt,

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howard calloway

February 4th, 2020 Wyoming, MI DETAILS arrow_drop_down
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Professional, polite, knowledgeable, and all questions answered in a timely manner.

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Reilly

February 4th, 2020 DETAILS arrow_drop_down
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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.

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Carl Bottomley

February 4th, 2020 DETAILS arrow_drop_down
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Easy to work with and extremely helpful in a stressful time.

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DL Parker

February 4th, 2020 DETAILS arrow_drop_down
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Good but some issues not resolved. It has been a several months and I am still being charged a late fee by my credit card companies. Consolidated credit has not resolved this issue.

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Bonnie S McKenna

February 4th, 2020 DETAILS arrow_drop_down
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It has been easier. I only wish the interest rate were lower. I wish I would have never go myself into this debt.

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Susan Abolafya

February 4th, 2020 DETAILS arrow_drop_down
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Fantastic! Staff made things easy very knowledgable"

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C. Harris

February 4th, 2020 DETAILS arrow_drop_down
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My experience is very limited but the little that I have had was very professional and helpful."

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Robs

January 31st, 2020 Bluffton, SC DETAILS arrow_drop_down
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It was and is fabulous. I’ve paid all my debts down

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Cy

January 28th, 2020 Portland, OR DETAILS arrow_drop_down
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Everyone has been very understanding, informative, compassionate, personable, and helpful. I finally feel hopeful about my financial situation.

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ANITA gaddis

January 23rd, 2020 Hoschton, GA DETAILS arrow_drop_down
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Absolute help and professionalism. Their customer service is the best!

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josh mcgill

January 23rd, 2020 Iva, SC DETAILS arrow_drop_down
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I've had a good experience with lower interest rate

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JoAnn F

January 23rd, 2020 Granite City, IL DETAILS arrow_drop_down
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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.

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Mayra Corral

January 23rd, 2020 Aurora, CO DETAILS arrow_drop_down
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Tatiana was fluent, very knowledgeable, friendly, and most importantly helpful!

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Brenda Della Rocca

January 17th, 2020 DETAILS arrow_drop_down
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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

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Angie

January 17th, 2020 DETAILS arrow_drop_down
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They gave the best advice and very knowledgeable with their service

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Lela Alderman

January 17th, 2020 DETAILS arrow_drop_down
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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.

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Bethiny Ruiz

January 17th, 2020 DETAILS arrow_drop_down
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I have always had a good experience! Whenever I have questions I easily get through to someone.

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Madison Kennon

January 14th, 2020 Minot, ND DETAILS arrow_drop_down
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They are always willing to work with me rather that is changing dates or overdrafts.

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Linda Parady

January 14th, 2020 Caribou, ME DETAILS arrow_drop_down
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I just know I am on my own to be debt free!!! And customer service has been very helpful🙂

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Meyer

January 8th, 2020 Clatskanie, OR DETAILS arrow_drop_down
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JUST CALLED FOR SOME CLARIFICATION, GOT GOOD INFORMATION PER USUAL, THANKS

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Reply from Consolidated Credit

Jan 08, 2020

Hi Meyer, 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!

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Shantel

January 6th, 2020 New Haven, CT

My experience thus far has been great. The process was fast and seamless. I worked with Colette and she was great. She was very courteous, calm (which is important when you’re overwhelmed with debt) and reassuring. She came up with a plan to help my husband and Me get back on track! I also worked Erica in the customer solutions department. She was great! She facilitated my orientation to make sure I further understood the program and when my payments were coming out. She was friendly and very helpful!

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Reply from Consolidated Credit

Jan 07, 2020

Hi Shantel, 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! 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: https://www.youtube.com/channel/UC1AKiO-abJqLyY68lW66VHQ?. We’re constantly adding new videos that can help you become more financially savvy.

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Daniel Valles

January 3rd, 2020 Atlanta, GA DETAILS arrow_drop_down
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Best support I have ever encounterd. I always feel more confident after call CCS to keep forward achieve my goal to rid myself from all my debt.

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Reply from Consolidated Credit

Jan 07, 2020

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

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Cheryl D.

December 20th, 2019 Englewood, CO DETAILS arrow_drop_down
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Tatiana has been wonderful to work with. She is very patient and kind and made sure all my questions were answered.

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Reply from Consolidated Credit

Jan 07, 2020

Hi Cheryl, 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!

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Bander

December 19th, 2019 Lawrence, KS

Taiana was very helpful and responsive. I would thank her as well as ConsolidatedCredit for helping me out to find a convenient way to get rid of the debt.

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Reply from Consolidated Credit

Jan 07, 2020

Hi Bander, 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.

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Zenaida Nazario

December 13th, 2019 Seffner, FL DETAILS arrow_drop_down
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Tatianna took the time to explain everything and had the patience to answer my questions. She was courtesy and made the process effortless. Kudos to the customer service!

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Reply from Consolidated Credit

Dec 19, 2019

Hi Zenaida, 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!

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techla yankura

December 12th, 2019 Brownsville, PA DETAILS arrow_drop_down
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I was calling to cancel C.C. Brian talked me through important information. Please acknowledge this wonderful person. Very helpful and pleasant to talk to. I am staying with this company. Thank you Brian

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Reply from Consolidated Credit

Dec 19, 2019

Hi Techla, 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!

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Charles M.Gardner

December 11th, 2019 DETAILS arrow_drop_down
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Tatiana was a great help to me. She resolved my issues in getting my accounts closed. She has a great smiling face. She was courteous and very helpful in resolving my issues. She is a great asset to your organization.

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Reply from Consolidated Credit

Dec 19, 2019

Hi Charles, 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!

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Noah

December 11th, 2019 Hollywood, FL DETAILS arrow_drop_down
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Everything has been great thanks. You guys did a awesome job. I would recommend. Fixed all my issues.

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Reply from Consolidated Credit

Dec 19, 2019

Hi Noah, Thanks for letting us assist you. It sounds like 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!

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Jennifer EILBECK

December 11th, 2019 Blythewood, SC DETAILS arrow_drop_down
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GREAT SERVICE!! GLAD I DECIDED TO CONSOLIDATE MY CREDIT DEBT THROUGH CONSOLIDATED CREDIT. IT HAS CHANGED OUR WAY OF LIVING.

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Reply from Consolidated Credit

Dec 19, 2019

Hi Jennifer, 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: https://www.consolidatedcredit.org/courses/ It’s a fun interactive, financial literacy course that can teach you everything from basic budgeting to buying a home.

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Cheryl Crummett

December 6th, 2019 Reading, PA DETAILS arrow_drop_down
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Everyone I have dealt with so far has been very supportive and compassionate. I actually found speaking with their agents a soothing experience!

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Reply from Consolidated Credit

Dec 19, 2019

Hi Cheryl, 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!

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Arianna

December 5th, 2019 Houston, TX DETAILS arrow_drop_down
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Tatiana really helped me out. She was very attentive and professional. Very happy with her service.

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Reply from Consolidated Credit

Dec 19, 2019

Hi Arianna, 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!

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Brad

December 4th, 2019 Largo, FL DETAILS arrow_drop_down
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Always provides helpful info whenever I call in. Simple process and great follow up after every contact.

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Reply from Consolidated Credit

Dec 19, 2019

Hi Brad, 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.

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Anna

November 26th, 2019 St Louis, MO DETAILS arrow_drop_down
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Tatiana was great and easy to Work with.

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Reply from Consolidated Credit

Dec 19, 2019

Hi Anna, 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.

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Shelby A Salas

November 26th, 2019 Gardiner, ME DETAILS arrow_drop_down
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Miguel was super helpful in answering all of my questions and concerns and offered options that might better help me.

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Reply from Consolidated Credit

Dec 19, 2019

Hi Shelby, Thanks for letting us assist you. We’re glad we were able to help you 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!

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Paul Lillard

November 25th, 2019 Ellaville, GA DETAILS arrow_drop_down
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You all at CC have been a blessing. When my wife and I got into this financial bind due to unforeseen events we were embarrassed to have to reach out for help. The first person we really talked to was Jamel M. He made us feel comfortable and not embarrassed. He worked well for us and was able to get us into a payment that we could afford. Every person since then has been equally amazing. You all have helped us to overcome this obstacle and we are greatly thankful.

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Reply from Consolidated Credit

Dec 19, 2019

Hi Paul, 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!

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Deborah Joyce Grant

November 22nd, 2019 Trenton, NJ DETAILS arrow_drop_down
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Any time i have had a question their customer service has been most helpful, and able to answer all my questions.

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Reply from Consolidated Credit

Dec 19, 2019

Hi Deborah, 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!

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jeannine

November 22nd, 2019 Germantown, MD DETAILS arrow_drop_down
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my call has been answer quickly and she did an excellent job

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Reply from Consolidated Credit

Dec 19, 2019

Hi Jeannine, 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!

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Linda Devlin

November 21st, 2019 San Diego, CA DETAILS arrow_drop_down
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Tatiana was very helpful and knowledgeable. A pleasure to work with.

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Reply from Consolidated Credit

Dec 19, 2019

Hi Linda, 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.

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Brandi

November 19th, 2019 Elberton, GA DETAILS arrow_drop_down
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Consolidated credit has been so helpful to our family. What can start off as being a stressful experience to consolidate debt, ended up being a great experience. Everyone we have worked with has always been very friendly and helpful and we are so thankful for each and every person! Thank you Consolidated Credit!

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Reply from Consolidated Credit

Dec 19, 2019

Hi Brandi, 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: https://www.youtube.com/channel/UC1AKiO-abJqLyY68lW66VHQ?. We’re constantly adding new videos that can help you become more financially savvy.

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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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Reply from Consolidated Credit

Jan 08, 2020

Congratulations on the successful completion of your debt management program! 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: https://www.youtube.com/channel/UC1AKiO-abJqLyY68lW66VHQ?. We’re constantly adding new videos that can help you become more financially savvy.

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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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Reply from Consolidated Credit

Jan 08, 2020

Hi Tim, 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: https://www.youtube.com/channel/UC1AKiO-abJqLyY68lW66VHQ?. We’re constantly adding new videos that can help you become more financially savvy.

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Karen

November 11th, 2019 Castaic, CA DETAILS arrow_drop_down
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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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Reply from Consolidated Credit

Jan 08, 2020

Hi Karen, 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: https://www.consolidatedcredit.org/courses/ It’s a fun interactive, financial literacy course that can teach you everything from basic budgeting to buying a home.

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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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Reply from Consolidated Credit

Jan 08, 2020

Hi Cheryl, 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!

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Saving

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

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Reply from Consolidated Credit

Jan 08, 2020

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!

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Shelly

November 5th, 2019 Dunedin, FL DETAILS arrow_drop_down
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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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Reply from Consolidated Credit

Jan 08, 2020

Hi Shelly, 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! https://www.consolidatedcredit.org/webinars-and-seminars/