Trinity Debt Management


Overall Score

1 User Review

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Trinity Debt Management (TDM) was founded in 1994 as a non-profit agency to help foster effective personal money management. The company works with creditors on its customers' behalf to lower interest rates and consolidate monthly payments into one. Many people who enroll with Trinity Debt Management have been able to become debt free in just 3-5 years. The company offers reasonable fees, certified debt counselors, and a free consultation to get started. Additionally, the company is accredited with the FCAA, and is ISO certified. Further, the number of states that the company services is unknown.

The Good

  • Experience
  • Client Login
  • Certified Debt Counselors


Trinity Debt Management has been around for over 20 years, and experience absolutely matters in the debt consolidation industry. It often means a company has better established relationships with creditors (meaning lower rates for their clients) and more expertise in helping clients change their financial habits. In addition to how long the company has been around, TDM is accredited with the Financial Counseling Association of America (FCAA). This ensures that financial counselors adhere to strict quality service standards and practices. Additionally, the company is ISO certified, which ensures that the company is following the standard procedures and practices for the industry.

Client Login

Another great aspect about TDM is that on its website, there is a client login for company clients to view their account information, track their progress, and stay up to date on their debt management program.

Certified Debt Counselors

This company employs certified debt counselors. They also offer a free consultation to new clients.

The Bad

  • Missing Information
  • No NFCC Accreditation
  • No Available State Information

Missing Information

There are a lot of unknowns with TDM. The company does not disclose the interest rates that it can secure from creditors upfront, making it difficult to compare overall cost with other companies in the industry. Additionally, Trinity does not have any available information about upfront and monthly fees.

No NFCC Accreditation

Although the company is accredited with the FCAA, TDM is not accredited with the NFCC. Other companies of this size and with this much experience usually have at least one if not both of these accreditations.

No Available State Information

One important aspect that we take into consideration when scoring companies is what states they service. Some companies service all 50 states while others only offer services to a select few. Trinity Debt Management does not make this information available, making it hard for potential clients to feel confident in signing up for its services. We would prefer to see TDM feature this information on its website to add to the level of transparency that it can achieve.

The Bottom Line

Although Trinity Debt Management has been in business for a long time and has many attractive features about its services, including an accreditation with the FCAA and a free consultation with a certified credit counselor. However, there are many unanswered questions about the company's offering. Trinity also does not make the interest rates it can secure known, and they are not accredited with the NFCC. Trinity debt management may be a great company, but with all of these negative factors combined, TDM does not make it to the top of the list. In comparison, there are other companies that are more transparent with their services and other pertinent information. Therefore, we cannot recommend Trinity Debt Management at this time but suggest looking into other options.

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User Reviews


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  • 9

    June 3rd, 2016 Frederick, CO

    I used Trinity back in 1997 and they were great! I met with a counselor, brought in all my statements and they worked it all out. There was no start-up fee, and I believe there was a very small monthly fee... something like $15? It was such a relief! When creditors called I gave them my account number with Trinity and sometimes the phone number. Some of them already had the number. I had a manageable payment, my interest rates went down, some immediately, others after a couple months of on-time payments. I made one payment to Trinity. It was not a loan, they were just the middle man. My experience with them is dated, but I can say it was a very positive experience for me.