Consolidated Credit
check_circle VerifiedConsolidated 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.
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.
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.
Call our recommended rep over at Consolidated Credit below.
1-(844) 720-3995
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User Reviews
Star Rating
645 Reviews
Review Breakdown
Sentiment Criteria
Aurora
Tatiyana was a pleasure to speak with she knew exactly what I needed and provided me with good customer service.
pearl jamn
tatiana was great ! resolved my issue in under 3 mins...had to suspend payment due to uncertainty of covid-19...just call they are there to help ! good luck all & stay healthy 🙇‍♂️
 Verified Customer
Dana
Our case manager was very supportive and understanding. She took the time to explain the process and didn't hide any information from us. Very satisfied.
 Verified Customer
John Nicholson
Good, knowledgeable, friendly,+easy to contact.
Deborah Ramirez
My husband and I are extremely grateful for the opportunity Consolidated Credit is affording us to get out of debt. Our credit card balances are being reduced faster than we were hoping! Thank you!
Excellent customer service! I have never had an issue with Consolidated Credit, and they have been so helpful with my debt management.
Judy Marcoux
There very understanding and they really help you.
jean
I was calling to report thatI was able to pay off two creditors. Tatiana was very helpful. She told me which account the two minimum amounts would now go and I was very satisfied. Also, I reported that I had updated all my accounts .
Paula. Ivey
Very Good people to talk with .Answered all my questions. Help you with getting your debit in order. Thanks for everything. God. Bless.
Reply from Consolidated Credit
Mar 16, 2020
Hi Paula, 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.
Monica Long
Customer service is ALWAYS friendly and super helpful. Even when I couldn't afford to pay my bill, the representative made sure to help me get it all figured out. Such a great company!
Reply from Consolidated Credit
Mar 16, 2020
Hi Monica, 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!
Salvador Leal
Excellent service. Very knowledgeable and helpful
Reply from Consolidated Credit
Mar 16, 2020
Hi Salvador, 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!
Kay Dee
They go over and beyond to help you with issues
Reply from Consolidated Credit
Mar 16, 2020
Hi Kay, 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!
Keith Moll
Easy, straightforward and friendly service
Reply from Consolidated Credit
Mar 16, 2020
Hi Keith, 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.
Nancy Addante
I am so glad that I made the decision to go with Consolidated Credit to handle getting out of debt. Everyone I have ever dealt with has always been kind and courteous, and encouraging me along the way. I always tell my friends and family about this company and recommend Consolidated Credit to them.
Reply from Consolidated Credit
Mar 16, 2020
Hi Nancy, 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!
Lori Wagner
I had owed so much on multiple credit cards, and wasn't able to get a loan, due to poor credit. Consolidated Credit helped me pay off over 2/3 of my credit card debt.
Reply from Consolidated Credit
Mar 16, 2020
Hi 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!
Mat Earl
Easy to communicate with. Helped me out.
Reply from Consolidated Credit
Mar 16, 2020
Hi Mat, 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!
Rhonda Bast
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!!!
Reply from Consolidated Credit
Mar 16, 2020
Hi Rhonda, 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!
david hurston
very courteous and helpful ,to the point and friendly
Reply from Consolidated Credit
Mar 16, 2020
Hi David, 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.
Hector Dacosta
Tatiana was professional and courteous and responded to my inquiry quickly.
Reply from Consolidated Credit
Mar 16, 2020
Hi Hector, 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!
It was learning experience and gave me an idea of what I was up against
Reply from Consolidated Credit
Mar 16, 2020
Hi, 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.
tina thompson
Great service. I am finally able to start getting out of debt,
Reply from Consolidated Credit
Mar 16, 2020
Hi Tina, 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!
howard calloway
Professional, polite, knowledgeable, and all questions answered in a timely manner.
 Verified Customer
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.
Reply from Consolidated Credit
Mar 16, 2020
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.
 Verified Customer
Carl Bottomley
Easy to work with and extremely helpful in a stressful time.
Reply from Consolidated Credit
Mar 16, 2020
Hi Carl, 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!
 Verified Customer
DL Parker
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.
Reply from Consolidated Credit
Mar 17, 2020
Hi DL, 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!
 Verified Customer
Bonnie S McKenna
It has been easier. I only wish the interest rate were lower. I wish I would have never go myself into this debt.
Reply from Consolidated Credit
Mar 17, 2020
Hi Bonnie, 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!
 Verified Customer
Susan Abolafya
Fantastic! Staff made things easy very knowledgable"
Reply from Consolidated Credit
Mar 16, 2020
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.
 Verified Customer
C. Harris
My experience is very limited but the little that I have had was very professional and helpful."
Reply from Consolidated Credit
Mar 16, 2020
Hi, 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!
Robs
It was and is fabulous. I’ve paid all my debts down
Cy
Everyone has been very understanding, informative, compassionate, personable, and helpful. I finally feel hopeful about my financial situation.
 Verified Customer
ANITA gaddis
Absolute help and professionalism. Their customer service is the best!
 Verified Customer
josh mcgill
I've had a good experience with lower interest rate
 Verified Customer
JoAnn F
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.
Mayra Corral
Tatiana was fluent, very knowledgeable, friendly, and most importantly helpful!
 Verified Customer
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
 Verified Customer
Angie
They gave the best advice and very knowledgeable with their service
Reply from Consolidated Credit
Mar 10, 2020
Hi Angie, 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!
 Verified Customer
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.
Reply from Consolidated Credit
Mar 10, 2020
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!
 Verified Customer
Bethiny Ruiz
I have always had a good experience! Whenever I have questions I easily get through to someone.
Reply from Consolidated Credit
Mar 10, 2020
Hi Bethiny, 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!
Madison Kennon
They are always willing to work with me rather that is changing dates or overdrafts.
Reply from Consolidated Credit
Mar 10, 2020
Hi Madison, 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!
Linda Parady
I just know I am on my own to be debt free!!! And customer service has been very helpful🙂
Reply from Consolidated Credit
Mar 10, 2020
Hi Linda, 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.
Meyer
JUST CALLED FOR SOME CLARIFICATION, GOT GOOD INFORMATION PER USUAL, THANKS
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!
Shantel
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!
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: We’re constantly adding new videos that can help you become more financially savvy.
Daniel Valles
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.
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: These will help you learn strategies to avoid challenges with debt in the future.
Cheryl D.
Tatiana has been wonderful to work with. She is very patient and kind and made sure all my questions were answered.
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!
Bander
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.
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.
Zenaida Nazario
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!
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!
techla yankura
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
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!
Charles M.Gardner
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.
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!
Noah
Everything has been great thanks. You guys did a awesome job. I would recommend. Fixed all my issues.
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!
Jennifer EILBECK
GREAT SERVICE!! GLAD I DECIDED TO CONSOLIDATE MY CREDIT DEBT THROUGH CONSOLIDATED CREDIT. IT HAS CHANGED OUR WAY OF LIVING.
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: It’s a fun interactive, financial literacy course that can teach you everything from basic budgeting to buying a home.