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Delray Credit Counseling

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6 User Reviews
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Like other debt consolidation companies, Delray Credit Counseling Corp. is a nonprofit credit counseling service focused on helping consumers improve their financial situations. Delray Credit Counseling is based in Delray Beach, Florida and provides consumers with educational tools in order to help consumers understand different financial topics such as taxes, debt, and budgeting. Other topics approached by Delray Credit Counseling include managing student loan debt and how to settle debt.

Continue reading for more information about the credit counseling company's accreditations and fees, as well as Delray Credit Counseling reviews.

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The Good

  • Experienced and Accredited Business
  • Educational Resources
  • Lower Fees
  • Free Consultation

Experienced and Accredited Business

The credit counseling company is accredited with the ISO and the CC, which is a good indication to consumers that Delray follows the best practices for credit counseling. In addition, the credit counseling company has more than a decade of experience in the industry.

Educational Resources

Regardless of their financial situation, consumers have access to Delray Credit Counseling's website and information. The financial education resources on their website cover various subjects such as personal loans, student debt, and credit card management. They also provide financial tools such as financial calculators, household budget worksheets, a bill reminder, and a mobile app.

Lower Fees

While several debt consolidation companies charge consumers an average of $49 on a monthly basis, Delray Credit Counseling charges a monthly fee of up to $39. This is one of the lowest monthly fees in the industry. Additionally, the credit counseling company does not charge an initial setup fee. Consumers can expect to save money over time compared to other credit counseling companies.

Free Consultation

For all interested consumers, Delray Credit Counseling offers a free credit counseling session. This is beneficial to consumers in debt because they will have a chance to better understand how the company's credit counseling services work. A free credit counseling session can act as a trial run for consumers wanting to be free from debt.

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The Bad

  • Not Clear on Locations Serviced
  • Low-Quality Website
  • Accreditations

Not Clear on Locations Serviced

Unlike some other debt consolidation companies, Delray Credit Counseling does not specify which states they service. It's hard to tell if all 50 states have access to resources provided by the credit counseling company or if only Florida residents have access to such resources. However, the sidebar suggests that 48 states including Washington, DC are serviced. We would prefer that the credit counseling company were a little more explicit about state availability.

Low-Quality Website

The website design is not easily navigated and is in need of updating. Customers may have difficulty finding crucial information about pricing and other policies. Certain aspects of the site are also incredibly distracting and could dissuade customers from doing business with Delray Credit Counseling.

Accreditations

There are several organizations that debt consolidation companies can be accredited by to ensure quality standards and other business practices. Delray Credit Counseling has some accreditations, but not all that we would like to see, including FCAA and NFCC. These accreditations give customers reassurance of the quality they should expect from a company and are something that should be considered while choosing a debt consolidation company. 

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The Bottom Line

Delray Credit Counseling provides a variety of services designed to help consumers manage their finances. The Florida-based credit counseling company assists in providing debt solutions and credit management. Each consumer has the option of receiving a free consultation to determine their needs and what direction they need to take to improve their financial situation.

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Star Rating

4.5

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6 Reviews

Review Breakdown

5 grade

67%

4 grade

17%

3 grade

17%

2 grade

0%

1 grade

0%

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Linda Regan Bakersfield, CA

I have been a customer of Delray CC for almost four years. I had over $50,000 in credit card debt. I lost my job and decided I needed help. Delray helped me consolidate my debt and lower the monthly payment total so that I could manage this horrendous debt. My attitude about spending has improved tremendously. Thank you Delray. I will be out of debt in less than six or seven months!

4 years ago

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Sarah Payne

I am so thankful to Delray for helping me get my debt, not only under control, but paid off in just a few short years. I was a "dumb kid" when I applied for some credit cards and quickly found myself in some pretty deep debt and struggling to pay it back. I am now only a matter of months away from being debt free and it feels amazing!

5 years ago

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Joan Ward Adel, GA

Been with Del Ray for 3 years everything has gone the way it told to me at the beginning of the service. My debt has reduced over half Customer service has always been there for questions if any. Would recommend Del Ray to anyone to consolidate bills or any other financial needs. They have always been truthful with me.

5 years ago

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Terry Sullivan Fallon, NV

The biggest problem I have is not being able to keep track of my payments and status. Your website is not user-friendly. Also, there were a few times talking with someone on the phone where I was not treated with respect. One time I called to find out the status of one of my bills (cause it is not on the website) and I was told I had to call the specific company to find out. He did not have access to that information and the respective company was supposed to send me monthly updates anyway.

5 years ago

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Ann Opre Port Orange, FL

The processing signing up with Delray was very easy and fast. They got my interest lowered w/the credit card companies and my payment is within the range I can afford.

5 years ago

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Christina Wichita Falls, TX

delray helped me pay off my debt and I'm thankful and grateful to them, thank you thank you thank you

5 years ago

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