Consolidated Credit Solutions, Inc.

Name: Consolidated Credit Solutions, Inc.
Rating: 4.8

check_circleVerified

4.8

star star star star star

990 User Reviews

8.3

Overall Score

Visit Site

1-(844) 720-3995

Contact

error This company may not service all states.

See states serviced

LAST UPDATED: January 25th, 2022

Consolidated Credit has helped clients hammer away millions of dollars worth of debt since 1993. Since opening, it has helped millions of customers with debt issues and is one of the largest credit counseling agencies in the United States. The company boasts highly competitive interest rates, industry accreditations, and a positive reputation with online customer reviews.

Consolidated Credit also offers educational resources to improve its customers' financial literacy, particularly regarding credit cards and debt. Some of these resources include webinars, debt-to-income ratio and credit score calculators, and articles on various financial topics. Consolidated Credit also offers a community outreach program to provide financial education in addition to consolidating debt for its clients.

Consolidated Credit is one of the biggest companies in debt consolidation — the company has been featured in CNN, Forbes, MSNBC, and more. By making one (lower) monthly payment with the company, you can stop worrying about penalties for late payments and reduce your credit card debt by 30-50 percent. 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.

View Consolidated Credit Reviews

thumb_up

The Good

Years of Industry Experience
Consolidated Credit Cost
Great Interest Rates: Consolidate Credit Card Debt at 0—11 Percent
Available to All
Accredited Company; Certified Staff
Positive Customer Reviews

Years of Industry Experience

Consolidated Credit is one of the oldest names in the industry, having accumulated over 20 years in business. During that time, it has built a reputation for total professionalism, offering CPFC certified debt counselors and free debt consultations for potential clients.

Unlike debt consolidation companies offering personal loans, Consolidated Credit is a credit counseling agency. The company’s certified credit counselors perform a free evaluation to help determine the best debt relief option for each potential client.

Consolidated Credit Counseling services include a free review of the client’s current financial situation, credit report (credit history and credit score), and budget. This first credit counseling session can provide debt management strategies (e.g. making more than the minimum payments on your credit cards), budget advice, and ideas to improve bad credit and eliminate debt.

If a debt management plan is the best solution, the company will design a repayment plan to fit the unique needs of the client. A debt management program is a great alternative to debt settlement and debt consolidation loans while providing affordable monthly payments.

The customization of Consolidated Credit solutions means that each client’s specific needs will be addressed and clients are helped in meaningful ways.

Consolidated Credit Cost

Many consolidation companies charge an enrollment fee and a monthly fee for their services. Consolidated Credit charges an upfront fee of $0 to $49 — this is a one-time, account set-up fee. Consolidated Credit also charges a monthly fee of $49.

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

Debt consolidation is a government-regulated industry. As a result, most companies charge similar prices, though fees vary by state. Consolidated Credit is no different.

Great Interest Rates: Consolidate Credit Card Debt at an Average of 0–11 Percent

The interest rates that Consolidated Credit can negotiate with lenders, including credit card companies, are less regulated. The company works with creditors to help clients achieve the best possible deal.

The company claims to get credit card interest rates down to an average of 0–11 percent APR — one of the lowest rates in the industry. These lower rates equate to a smaller overall payment for credit card debt and less interest.

Available to All

Each state has its own unique debt consolidation rules. For this reason, not all consolidation companies have their services available nationwide.

Consolidated Credit follows the state laws in every state, and its counseling services are available to people struggling with unsecured debt in every U.S. state. Consolidated Credit works to help people understand the best ways to manage their debt and what their consolidation options are.

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

Accredited Company; Certified Staff

The company is ISO certified and is accredited with the FCAA (Financial Counseling Association of America).

Gary Herman, the president of Consolidated Credit, has been working with the company for over 20 years. He has training as a certified credit counselor and is also the vice president of the FCAA, which is an important organization that ensures companies offer the best debt relief.

Positive Customer Reviews

Consolidated Credit reviews frequently cite the staff's professionalism and overall quality customer service. Many of the reviews commended Consolidated Credit for the ease of contact and polite, helpful staff members who guided clients every step of the way.

Some reviews are from users who used the free consultation but did not end up using Consolidated Credit's debt management plan services, yet felt they were able to walk away more knowledgeable about their best course of action after the consultation with a credit counselor.

Visit Site

thumb_down

The Bad

Missing Certifications
Limited Website Information
Not a Loan Company

Missing Certifications

As far as we can tell, Consolidated Credit is not certified with the AFCC (American Fair Credit Council) or the IAPDA (International Association of Professional Debt Arbitrators). There are several other companies in the debt consolidation industry that do hold one or both of these accreditations, including some of Consolidated's biggest competitors (Freedom Debt Relief, National Debt Relief, Pacific Debt, etc).

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

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

Limited Website Information

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

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

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

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.

gavel

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.

Was this content helpful?

thumb_up Yes thumb_down No

We'll Introduce You!

Call our recommended rep over at Consolidated Credit Solutions, Inc. below.

1-(844) 720-3995

Or you can visit Consolidated Credit Solutions, Inc.'s website.

not_listed_location

Consolidated Credit Solutions, Inc. Frequently Asked Questions

What types of debt can someone include in a debt management program?

A debt management program is meant primarily to pay off high-interest rate credit card debt. One of the primary benefits of working with a nonprofit credit counseling agency is that 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.

border_color Write a Review

User Reviews

Star Rating

4.8

star star star star star

990 Reviews

Review Breakdown

5 grade

85%

4 grade

3 grade

2 grade

1 grade

Sentiment Criteria

Value

star star star star star_half

Quality

star star star star star_half

Service

star star star star star_half

Trustworthiness

star star star star star_half

cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down

star star star star star

Jessica MacLane Knoxville, TN

First off, they made me feel extremely comfortable the moment I started speaking to this lovely company. The whole process took no more than 30 minutes, if that. After everything was said and done, an extremely heavy weight was lifted off my shoulders, and now I’m extremely confident in knowing my debt will be getting paid off with making only one monthly payment. Thank you so much.

1 month ago

Reply from Consolidated Credit Solutions, Inc.

Welcome aboard Jessica. 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!

Dec. 28th, 2021

star star star star star

SHELLEY KANTOLA Olympia, WA

They are wonderful, patient, and very helpful. They realize it’s a stressful time for you and help as much as possible.

4 days ago

Reply from Consolidated Credit Solutions, Inc.

Hi Shelley, 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!

Jan. 21st, 2022

star star star star star

Belinda Zavala McAllen, TX

I've been working with Consolidated Credit Solutions for a couple of years now and I never had any issues. They always answer my questions! Thanks for the great customer Service.

3 weeks ago

Reply from Consolidated Credit Solutions, Inc.

Hi Belinda, 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, please don’t hesitate to call us. We’re here to help! We appreciate you and thank you for making Consolidated Credit your debt management organization of choice.

Jan. 6th, 2022

star star star star star

Cheryl Hart Phoenix, AZ

I have been so worried about my finances and no clue what to do about it. Got a call from Jason with Consolidated Credit Solutions yesterday. He explained how you could help me and I was thrilled!!!! The credit card debt I have was frightening but you showed me the light at the end of the tunnel. These cards WILL be paid off with your involvement in a matter of months! Got a call from Dale today and he helped me understand things better. Your staff is wonderful, patient and so-o helpful. Thank you, Cheryl H

2 months ago

Reply from Consolidated Credit Solutions, Inc.

Welcome aboard Cheryl! 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!

Nov. 19th, 2021

star star star star star

Steven Meyer Los Angeles, CA

I have used them before and here I am using them again. It would be nice, of course, to not need them, but being that I do, once again, they sure are terrific. The program works *slowly*, but it does work. I was told by the agent during yesterday's phone call that they will get me out of debt in somewhere between 35 to 57 months. That's entirely reasonable.

2 months ago

Reply from Consolidated Credit Solutions, Inc.

Hi Steven, Thank you for making Consolidated Credit your debt management organization of choice. 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. We appreciate you!

Nov. 12th, 2021

star star star star star

Eddie San Clemente, CA

Consolidated Credit Solutions really helped me out during a low point in my life. I couldn't keep up with all 3 cards and their interest it just felt like I didn't make any progress. Through CCS, i was able to just make 1 payment and they were able to negotiate with my creditors for a lower Apr which really helped in making a dent towards those balances. I was able to pay one off and now that I'm in a better financial situation, I am on the verge of paying the last 2 and be debt free from those credit cards. Needless to say I won't be opening a new line of credit any time soon but I now understand what I need to do in the future when it comes to credit management. Thank you so much to Tatiana, she was extremely helpful and friendly.

3 months ago

Reply from Consolidated Credit Solutions, Inc.

Hi Eddie, 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 the Financial Education Center on Consolidated Credit's website. These will help you learn strategies to avoid challenges with debt in the future.

Oct. 18th, 2021

star star star star star

Tammie Wenatchee, WA

The gentleman that helped me set up my account and walked me through all the steps that I needed to do, was extremely helpful and understanding. He made a stressful situation better.

1 month ago

Reply from Consolidated Credit Solutions, Inc.

Welcome aboard Tammie. 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!

Dec. 23rd, 2021

star star star star star

Jamie Houston, TX

As a small business owner for 20+ years, I've always made it work and been comfortable. My mother passed in 2018 and I took 7 months off that year and it took a major financial toll on my business (although I was blessed to be with her). I did some research and found Consolidated Credit and have been overly impressed. I was skeptical and didn't trust the idea of consolidation and keeping my credit score, etc. safe and it's been amazing. I'm very thankful and would recommend them fully.

3 months ago

Reply from Consolidated Credit Solutions, Inc.

Hi Jamie, 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, please don’t hesitate to call us. We’re here to help!

Oct. 18th, 2021

star star star star star

DLBryant San Antonio, TX

Due to the help and dedication of Consolidated Credit Solutions I am on the path to becoming debt free. At 75 years of age I have the means to accomplish my financial goal. And in the process I have learned how to properly handle my money and not get bound up in debt ever again. If only I has learned this earlier, but it is never too late to learn. Thank you Consolidated Credit Solutions!

3 months ago

Reply from Consolidated Credit Solutions, Inc.

Dear DLBryant, Thanks for your review and we were glad we could help you with your debt. As you work your way through your debt management program, we’d also like to invite you to take advantage of the free resources we offer through our Financial Education Center on Consolidated Credit's website. These will help you learn strategies to avoid challenges with debt in the future.

Oct. 1st, 2021

star star star star star

Kimberly Wilson Brunswick, GA

very simple and they dont pull any punches. They are straight and to the point.

4 hours ago

star star star star star

Karen Rapp CA

I had been going through a divorce and my ex left me with a lot of credit card debt. I felt ashamed to go to a debt consolidated company but somehow said it would look better than filing bankruptcy. They were so helpful and kind. After everything was done, it felt so freeing and I now don’t felt ashamed. A lot of people go through this at difficult times.

2 months ago

Reply from Consolidated Credit Solutions, Inc.

Hi Karen, 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!

Nov. 12th, 2021

star star star star star

Pat Hernandez Anaheim, CA

I love that I can count on Consolidated Credit to solve my debts without doing bankruptcy. Is easy to make one payment. I really love it.

2 weeks ago

Reply from Consolidated Credit Solutions, Inc.

Hi Pat, 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 the Financial Education Resource Center on our website. These will help you learn strategies to avoid challenges with debt in the future.

Jan. 10th, 2022

star star star star star

Carol Drake

I’m extremely pleased with the excellent customer service I’ve received , very compassionate , understanding , and willing to help . Thanks very , very much !

1 month ago

Reply from Consolidated Credit Solutions, Inc.

Welcome aboard Carol! 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!

Dec. 11th, 2021

star star star star star

Bill Klein Aurora, IL

I am very pleased with the way my credit was handled in order that I could make one payment at a lot better interest rate and be able to pay my credit card debt early. I would highly recommend Consolidated Credit Solutions, Inc.

3 months ago

Reply from Consolidated Credit Solutions, Inc.

Congratulations, Bill! We’re glad we could help! Go ahead pat yourself on the back for your hard work and perseverance. Testimonials like yours are invaluable. They give those reluctant to seek help the courage and motivation to do so. We appreciate you and wish you the very best in all your financial endeavors. Cheers! We have a wealth of free resources that can help you develop strategies for avoiding debt and maintaining financial stability in the future. If you haven’t checked out our YouTube Channel yet, we invite you to subscribe to Consolidated Credit's channel. We’re constantly adding new videos that can help you become more financially savvy.

Oct. 25th, 2021

star star star star star

James Goodman Silverdale, WA

Consolidated Credit Solutions worked with my financial situation when no one else would try. Their staff was friendly and helped me though the process of understanding how to move forward. They gave me the opportunity and means to reach a solid and healthy financial future.

2 months ago

Reply from Consolidated Credit Solutions, Inc.

Welcome aboard James! 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!

Nov. 12th, 2021

check_circle

Verified Customer

star star star star star

Samantha Medford, NY

Customer service was accommodating. They answered every question that I needed answered and they were productive in what I needed. They are very trustworthy. I was very nervous going into debt consolidation and getting ripped off. Everything is laid out in statements, I get everything in the mail. I'm speaking with American representatives and that's very important to me. It's been a smooth process and my credit scores are already going up.

1 year ago

Reply from Consolidated Credit Solutions, Inc.

Hi Samantha, We’re happy we could help you find a solution to overcome your challenges with debt. Now that you’re on your way to becoming debt free, don’t forget to take advantage of all the free financial education resources we offer. We hold free webinars every month that can help you achieve and maintain financial stability long-term. Make sure to check them out!

Sep. 23rd, 2020

check_circle

Verified Customer

star star star star star

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.

2 years ago

Reply from Consolidated Credit Solutions, Inc.

Hi Lela, Thanks for letting us assist you. We’re glad we were able to help you set up a debt management program, so you can get on the road to becoming debt free. If you have any questions about the program, please give us a call and we’ll be happy to help. We’re here to be your advocate!

Mar. 10th, 2020

star star star star star

Debra1890 Palm Bay, FL

They were very helpful and courteous when calling them with questions they helped us when we really needed them

3 weeks ago

Reply from Consolidated Credit Solutions, Inc.

Congratulations Debra1890! We’re glad we could help! Go ahead pat yourself on the back for your hard work and perseverance. Testimonials like yours are invaluable. They give those reluctant to seek help the courage and motivation to do so. We appreciate you and wish you the very best in all your financial endeavors. Cheers! We have a wealth of free resources that can help you develop strategies for avoiding debt and maintaining financial stability in the future. If you haven’t checked out our YouTube Channel yet, we invite you to subscribe to Consolidated Credit's YouTube channel. We’re constantly adding new videos that can help you become more financially savvy.

Jan. 6th, 2022

star star star star star

Linda Metz Matawan, NJ

I only have good things to say about this service. Every representative I spoke to over the last 3 years were professional, friendly and kind.

1 month ago

Reply from Consolidated Credit Solutions, Inc.

Hi Linda, We’re glad we could help! Getting out of debt is a journey and along the way, we want to provide resources that can help you develop strategies for avoiding debt and maintaining financial stability in the future. If you haven’t checked out our YouTube Channel yet, we invite you to subscribe to Consolidated Credit's channel. We’re constantly adding new videos that can help you become more financially savvy.

Nov. 29th, 2021

star star star star star

Kimberly Mcguire Chelsea, MA

Great customer service Everyone is always really pleasant.

4 days ago

Reply from Consolidated Credit Solutions, Inc.

Hi Kimberly, Thanks for letting us know how we did! We’re happy we were able to help you find a solution to get out of debt. If you have any questions about your debt management program or what you can expect now that you’re enrolled, please don’t hesitate to call us. We’re here to help!

Jan. 21st, 2022

star star star star star

Samarra Miller Hialeah, FL

I am so glad we found this company and trusted them to help us with our debt!! We are now credit card debt free and they made that possible by saving us money that we didn't have ! Thank you

2 months ago

Reply from Consolidated Credit Solutions, Inc.

Congratulations on the successful completion of your debt management program, Samarra! We’re glad we could help! Go ahead pat yourself on the back for your hard work and perseverance. Testimonials like yours are invaluable. They give those reluctant to seek help the courage and motivation to do so. We appreciate you and wish you the very best in all your financial endeavors. Cheers! We have a wealth of free resources that can help you develop strategies for avoiding debt and maintaining financial stability in the future. If you haven’t checked out our YouTube Channel yet, we invite you to subscribe to Consolidated Credit's YouTube channel. We’re constantly adding new videos that can help you become more financially savvy.

Nov. 12th, 2021

star star star star star

Jimmy tang Rancho Cordova, CA

Consolidated credit solutions helped me reestablish my credit they were very helpful coached me all the way to good credit .and with that bought my first house .customer service is outstanding .

2 months ago

Reply from Consolidated Credit Solutions, Inc.

Congratulations on your first house, Jimmy! We’re glad we could help! Getting out of debt is a journey and along the way, we want to provide resources that can help you develop strategies for avoiding debt and maintaining financial stability in the future. If you haven’t checked out our YouTube Channel yet, we invite you to subscribe to Consolidated Credit's YouTube channel. We’re constantly adding new videos that can help you become more financially savvy.

Nov. 12th, 2021

star star star star star

Laura Fortune Fort Dodge, IA

This company has made my life so much easier! But it's my rep today that puts it over the top! Jimmy went above & beyond to help me figure out a problem. He called a creditor..he looked deep into the records..he just didn't stop til he had it solved! He is a Rockstar! And you are lucky to have him. He gave me the best customer service of my life!

4 months ago

Reply from Consolidated Credit Solutions, Inc.

Hi Laura, 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. 17th, 2021

star star star star star

Elizabeth Diaz Elizabeth, NJ

Consolidated Credit has been my lifesaver in paying all of my debts. Honestly without them I would probably still be paying my cards. If I could give them a 20 star review, I would. That's just how GREAT they are! And, their customer service is also very knowledgeable, friendly and they work with you and are patient with you with any inquiries or requests you may have. This company is the BEST for paying debts! Thank you so much for all you do for your customers!! I would 1,000% recommend Consolidated Credit Solutions to anyone wants to improve their way of living!! :)

5 months ago

Reply from Consolidated Credit Solutions, Inc.

Congratulations on the successful completion of your debt management program Elizabeth! We’re glad we could help! Go ahead pat yourself on the back for your hard work and perseverance. Testimonials like yours are invaluable. They give those reluctant to seek help the courage and motivation to do so. We appreciate you and wish you the very best in all your financial endeavors. Cheers! We have a wealth of free resources that can help you develop strategies for avoiding debt and maintaining financial stability in the future. If you haven’t checked out our YouTube Channel yet, we invite you to subscribe to Consolidated Credit's YouTube Channel. We’re constantly adding new videos that can help you become more financially savvy.

Jul. 28th, 2021

star star star star star

Tracy Davis Queens, NY

The service was amazing and so was the program. I paid off $32k in 23 months thanks to the program. I was originally supposed to pay it off in 6-7 years but with their help I was able to be aggressive because they slashed the interest rates from 22-25% down to 10-12%. One card even had no interest because of the program. My credit score is up since the start of the program. My credit score is above 700 now. With the help of the program and other factors I refinanced my home and started saving $800 a month. Thank You!!!!!!

6 months ago

Reply from Consolidated Credit Solutions, Inc.

Congratulations on the successful completion of your debt management program Tracy! We’re glad we could help! Go ahead pat yourself on the back for your hard work and perseverance. Testimonials like yours are invaluable. They give those reluctant to seek help the courage and motivation to do so. We appreciate you and wish you the very best in all your financial endeavors. Cheers! We have a wealth of free resources that can help you develop strategies for avoiding debt and maintaining financial stability in the future. If you haven’t checked out our YouTube Channel yet, we invite you to subscribe to Consolidated Credit's channel. We’re constantly adding new videos that can help you become more financially savvy.

Jul. 14th, 2021

star star star star star_border

Peter Boling Jakarta, JK

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

8 months ago

Reply from Consolidated Credit Solutions, Inc.

Hi Peter, Thank you for the compliment. We strive to be the best organization that we can be and help everyone who calls. Established in 1993, we’ve helped over 10.3 million with their finances. The key benefits of the Gold Membership Advantage Program are: 1. The Involuntary Unemployment Insurance which offers added protection for involuntary unemployment that can help make your debt management payment, if you lose your job 2. The Accidental Death & Dismemberment Insurance which offers protection with $10,000 in Accidental Death & Dismemberment Insurance 24 hours a day. We understand that people's needs, and situations are different. And so, while some may benefit from some aspects of the Advantage Program, others may benefit from all offerings of the program. Thank you for making Consolidated Credit your debt management organization of choice, Peter, and the very best wishes on your journey out of debt.

Jun. 23rd, 2021

star star star star star

Susan Bremerton, WA

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

8 months ago

Reply from Consolidated Credit Solutions, Inc.

Hi Susan, Thanks for calling and we’re glad we could help. As you work your way through your debt management program, please let us know if there’s anything you need. Our client services team is here to answer any questions that you have and assist you in overcoming any challenges that may arise as you work to become debt free.

May. 12th, 2021

check_circle

Verified Customer

star star star star star

Matt Mount Vernon, OH

Consolidated credit has been a pleasure to work with. During the application process they were very straightforward and everything, and they have follow through with what they have said they would do, which is help me get out of debt!

1 year ago

Reply from Consolidated Credit Solutions, Inc.

Hi Matt, We appreciate the opportunity to assist you. It’s our mission to help people in your situation find solutions to become debt free. If you have any questions or run into any challenges down the road, please don’t hesitate to give us a call. We’re here to help!

Sep. 23rd, 2020

check_circle

Verified Customer

star star star star star

Maria Grandview, WA

I was able to consolidate my bills and making monthly payments. It has helped our household tremendously. They've been able to communicate with me back and forth through text or email. I've had no problems working with them. I can see a light at the end of the tunnel and by the end of the year I will be able to pay off all my debts.

1 year ago

Reply from Consolidated Credit Solutions, Inc.

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

Sep. 23rd, 2020

check_circle

Verified Customer

star star star star star

Jerome Auburn, WA

They take care of my debt and made it something I can live with. I would like to know why I still receive the bill from one of the credit cards and it looks terrible and goes up and up and then I get the receipt from Consolidated Credit and it shows that you made a major payment to them. I'm a little confused on that.

1 year ago

Reply from Consolidated Credit Solutions, Inc.

Hi Jerome, We appreciate the opportunity to assist you. It’s our mission to help people in your situation find solutions to become debt free. If you have any questions or if you run into any challenges down the road, please don’t hesitate to give us a call. We’re here to help!

Sep. 23rd, 2020

check_circle

Verified Customer

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.

1 year ago

Reply from Consolidated Credit Solutions, Inc.

Hi Kathleen, Thanks for letting us assist you. We’re glad we were able to help you set up a debt management program, so you can get on the road to becoming debt free. If you have any questions about the program, please give us a call and we’ll be happy to help. We’re here to be your advocate!

Sep. 23rd, 2020

check_circle

Verified Customer

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.

2 years ago

Reply from Consolidated Credit Solutions, Inc.

Hi JoAnn, Thanks for calling and we’re glad we could help. As you work your way through your debt management program, please let us know if there’s anything you need. Our client services team is here to answer any questions that you have and assist you in overcoming any challenges that may arise as you work to become debt free.

Sep. 23rd, 2020

star star star star star

Angelica San Antonio, TX

Alan was rather kindest person. I was so nervous but he helped me through this process

3 weeks ago

Reply from Consolidated Credit Solutions, Inc.

Welcome aboard Angelica! 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!

Jan. 3rd, 2022

star star star star star_border

Lori Starr Rochester, NY

Signing up was easy, everything was very straightforward and understandable. Customer service has been very accommodating when needed.

1 month ago

Reply from Consolidated Credit Solutions, Inc.

Welcome aboard Lori. 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!

Dec. 14th, 2021

star star star star star

Sheri Cleveland Boxborough, MA

It was terrific speaking with a gentleman named, Cleveland. He was very kind, attentive, personable, knowledgeable & helpful.

2 months ago

Reply from Consolidated Credit Solutions, Inc.

Hi Sheri, 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.

Nov. 19th, 2021

star star star star star

Melanie Hughes Cheyenne, WY

Tatiana was one of the most helpful and efficient customer service reps that I have ever worked with in any company. She is a keeper!

2 months ago

Reply from Consolidated Credit Solutions, Inc.

Hi Melanie, Thanks for reaching out to Consolidated Credit for help with your credit card debt. While we’re helping you get out of debt through your debt management program, don’t forget to take advantage of the free financial education resources we offer. If you haven’t signed up yet, please check out Credit Dojo on Consolidated Credit's website. It’s a fun interactive, financial literacy course that can teach you everything from basic budgeting to buying a home.

Nov. 1st, 2021

star star star star star

Michelle Sibilly-Francis Alexandria, VA

It has been a great company. They help you as much as they can. They talk to your creditor and got your monthly payments down.

2 months ago

Reply from Consolidated Credit Solutions, Inc.

Hi Michelle, 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 out the Webinars and Seminars section on Consolidated Credit's website.

Nov. 1st, 2021

star star star star star

Tara Harman Fayetteville, WV

The company has been very helpful. Im already seeing my balances decrease, and luckily my credit score only took a 7 point hit. I'm already seeing it bouncing back after only a couple months.

4 months ago

Reply from Consolidated Credit Solutions, Inc.

Welcome aboard Tara! 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. 13th, 2021

star star star star star

Ella Mullins Belle, WV

I talked to Tatiana and she is awesome. She was very informative, courteous and professional. She is definitely an asset to Consolidated Credit Solutions, Inc. If only you could "clone" her. : )

5 months ago

Reply from Consolidated Credit Solutions, Inc.

Hi Ella, 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, please don’t hesitate to call us. We’re here to help!

Aug. 16th, 2021

star star star star star

Eugene Tremble Jr. Richmond Hill, GA

I almost done and it's been a God send to me. My credit has gone up tremendously and this is a business I would recommend to anyone having financial issues with debt. THANK YOU

5 months ago

Reply from Consolidated Credit Solutions, Inc.

Congratulations Eugene! We’re glad we could help! Go ahead pat yourself on the back for your hard work and perseverance. Testimonials like yours are invaluable. They give those reluctant to seek help the courage and motivation to do so. We appreciate you and wish you the very best in all your financial endeavors. Cheers! We have a wealth of free resources that can help you develop strategies for avoiding debt and maintaining financial stability in the future. If you haven’t checked out our YouTube Channel yet, we invite you to subscribe to Consolidated Credit's Channel. We’re constantly adding new videos that can help you become more financially savvy.

Aug. 9th, 2021

star star star star star

Mathew Guilbeau Crowley, LA

Great experiences no complaints. They keep me in form

1 week ago

Reply from Consolidated Credit Solutions, Inc.

Hi Mathew, 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!

Jan. 17th, 2022

star star star star star

Lacey Mayfield Kennesaw, GA

They are great!! They have really helped me get my debt consolidate and save my credit by making the one monthly payment every month. My credit score has been up 70 points the past year.

3 months ago

Reply from Consolidated Credit Solutions, Inc.

Hi Lacey, 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, please don’t hesitate to call us. We’re here to help!

Oct. 21st, 2021

star star star star star

RICH STANTON Levittown, PA

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

7 months ago

Reply from Consolidated Credit Solutions, Inc.

Hi Rich, Thanks for letting us assist you. We’re glad we were able to help you set up a debt management program, so you can get on the road to becoming debt free. If you have any questions about the program, please give us a call and we’ll be happy to help. We’re here to be your advocate!

Jun. 25th, 2021

check_circle

Verified Customer

star star star star star_border

April Belle Plaine, KS

They pretty much explained most of it to me and I understood it. I feel like it was a little bit trickier in our area to figure out what was going to happen in the beginning. It did drop my payments monthly but I feel like some of the payments don't seem like they're going down very much a month.

1 year ago

Reply from Consolidated Credit Solutions, Inc.

Hi April, We appreciate the opportunity to assist you. It’s our mission to help people in your situation find solutions to become debt free. If you have any questions or run into any challenges down the road, please don’t hesitate to give us a call. We’re here to help!

Sep. 23rd, 2020

check_circle

Verified Customer

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.

1 year ago

Reply from Consolidated Credit Solutions, Inc.

Hi Leisa, Thanks for letting us assist you. We’re glad we were able to help you set up a debt management program, so you can get on the road to becoming debt free. If you have any questions about the program, please give us a call and we’ll be happy to help. We’re here to be your advocate!

Sep. 23rd, 2020

check_circle

Verified Customer

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.

1 year ago

Reply from Consolidated Credit Solutions, Inc.

Hi Sylvia, Thanks for reaching out to Consolidated Credit for help with your credit card debt. While we’re helping you get out of debt through your debt management program, don’t forget to take advantage of the free financial education resources we offer. If you haven’t signed up yet, please check out our Credit Dojo. It’s a fun interactive, financial literacy course that can teach you everything from basic budgeting to buying a home.

Sep. 23rd, 2020

check_circle

Verified Customer

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.

1 year ago

Reply from Consolidated Credit Solutions, Inc.

Hi Bobbie, Thanks for calling and we’re glad we could help. As you work your way through your debt management program, please let us know if there’s anything you need. Our client services team is here to answer any questions that you have and assist you in overcoming any challenges that may arise as you work to become debt free.

Sep. 23rd, 2020

check_circle

Verified Customer

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.

1 year ago

Reply from Consolidated Credit Solutions, Inc.

Hi Reilly, Thanks for calling and we’re glad we could help. As you work your way through your debt management program, please let us know if there’s anything you need. Our client services team is here to answer any questions that you have and assist you in overcoming any challenges that may arise as you work to become debt free.

Mar. 16th, 2020

check_circle

Verified Customer

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

2 years ago

star star star star star

Juan N Soto ,

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

11 months ago

Reply from Consolidated Credit Solutions, Inc.

Hi Juan, Thanks for your review and we were glad we could help you with your debt. As you work your way through your debt management program, we’d also like to invite you to take advantage of the free resources we offer through our Financial Education Center on Consolidated Credit's website. These will help you learn strategies to avoid challenges with debt in the future.

Feb. 9th, 2021

Your state not on the list? Pick your state and we will give you a list of companies that service your state.

See Companies