Consolidated Credit Logo

Consolidated Credit

star star star star star

9.2

Overall Score

cancel
info
check_circle

Review Source

star star star star star

Elizabeth Santana

Good attitude, attention and If you are experimenting problems with your due date they help you. I love everything in this company. ♥️♥️♥️

2 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

Dear Elizabeth,
Thank you for sharing your experience! It's our pleasure to stay as flexible as possible, we understand sometimes things happen and a little bit of help is all that's needed. We appreciate the chance to be part of your financial journey! If you ever recommend us to anyone, tell them to call 877-987-3337. You can also stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

May. 17th, 2024

check_circle

Review Source

star star star star star

Jose Rodriguez

So far so good, yes start with the company , one thing I have to say everyone person I dial with treats me with respect and very professional, Thank-you.

2 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

Dear Jose,
We believe everyone deserves empathy and respect. We're pleased to hear that's been your experience and that you've been satisfied with your program as well! Thank you for taking the time to leave a review. We’ve been counseling people through credit challenges for free since 1993! If you recommend us to family or friends, tell them to call 877-987-3337. We’re here to be your advocate - stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

May. 17th, 2024

star star star star star

Judy Ouellette

In the few months that I have been a client my credit score has increased slightly and my creditors are being paid. One of my creditors shows me as current

2 years ago Edited April 29, 2024

Consolidated Credit Logo

Reply from Consolidated Credit

Dear Judy,
It's our pleasure to be able to handle the bureaucratic back and forth with your creditors and let you focus on living your life. We're glad to have you aboard and can't wait to get your program started!

Mar. 26th, 2024

check_circle

Review Source

star star star star star

Juan Contreras CA

I like that they handle my debt for me n gave peace in my mind. Im stress free now. And the deals they worked for me have been saving me tons of money. I truly recommend it.

2 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

Hi Juan,
We're very glad to hear that our program reduced your stress and saved you money! Thank you for choosing Consolidated Credit and having us be part of your journey out of debt. If you ever recommend us to anyone, tell them to call 877-987-3337. You can also stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

Feb. 26th, 2024

check_circle

Review Source

star star star star star

Gloria Allen Oakboro, NC

They helped me pay off 5 credit cards and I did it!! Thank you for your help. I never had nay issues with the company. Am extremely satisfied and excited

2 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

Dear Gloria,
That's a fantastic result and we're so happy you've graduated and paid off five cards! This is an achievement we hope you'll celebrate, and we appreciate the chance to be your partner in this journey. If you’ve been happy with our service, please consider referring us to family and friends! Tell them to give us a call at 877-987-3337. Don’t forget to follow us on Facebook, YouTube, and everywhere else: https://tinyurl.com/zbuerhax

Feb. 16th, 2024

star star star star star

Robert Philadelphia, PA

I liked the customer service because I was treated like a person not a number or looked down upon because I don't' have the money to pay these accounts! Thank you for that.

2 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

Dear Robert,
We understand that everyone's situation is different debt can happen to hardworking people through no fault of their own. We're very glad to hear your counselor provided the professional, friendly service you deserve! If you’ve been happy with our service, please consider referring us to family and friends! Tell them to give us a call at 877-987-3337. Don’t forget to follow us on Facebook, YouTube, and everywhere else: https://tinyurl.com/zbuerhax

Dec. 13th, 2023

check_circle

Review Source

star star star star star

Nichole C

I have worked with CC twice over my life. They have always helped and satisfied me and my financial needs. Have recommended them to others and will always do so!

2 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

Hi Nichole,
We're always happy to help however we can and look forward to seeing you graduate from our program again! If you're interested, we have a trove of educational resources here: https://www.consolidatedcredit.org/financial-education/
You can always contact us with any questions you may have or for extra help! Thank you for sharing your experience.

Oct. 31st, 2023

star star star star star

Jennifer Sawyer

Consolidated Credit has helped me gain financial freedom from old credit card debt. They worked with me to get them settled and I recommend them to anyone needing help.

3 years ago Edited April 16, 2024

Consolidated Credit Logo

Reply from Consolidated Credit

Hey Jennifer,
We're happy to do whatever we can to make paying down debt easier, we're glad you're enjoying the program so far! Thanks for sharing your experience.

Oct. 16th, 2023

star star star star star

Siedah Harrison

My credit has improved! I also stopped using my credit cards, but this program helped me control my spending and work on building my credit back up! Reliable and trustworthy!

3 years ago Edited September 23, 2024

Consolidated Credit Logo

Reply from Consolidated Credit

Dear Siedah,
Welcome aboard! We're very happy to hear we've help make things more manageable for you. Thanks for giving us the chance to assist you,

Jul. 6th, 2023

check_circle

Review Source

star star star star star

Jo Anne Walters Amsterdam, NY

Reps are very professional and non-judgemental which allowed me to feel comfortable in an embarrassing situation. Interest dropped from 27 to 10 percent. Thank goodness!

3 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

Dear Jo Anne,
Debt is nothing to be embarrassed about and we're glad to hear you had an enjoyable time with your counselor! Thank you for giving us the opportunity to help you. Remember, we're always available if you have any questions about your program in the future.

Jul. 6th, 2023

star star star star star

David Mead Sr Gresham, OR

You're doing an awesome job helping me pay off my creditors. I'm in a better position now and your articles on management of my spending is greatly appreciated.

3 years ago Edited October 19, 2023

Consolidated Credit Logo

Reply from Consolidated Credit

Dear David,
We're pleased to hear your counselor provided you with quick and informed customer service! Thank you for sharing your experience.

Jun. 12th, 2023

star star star star star

Kelly Branch Bryan, TX

I like that I called them explained my situation. I got a call back quickly, got a plan in place for me to pay creditors and be out of debt soon with a small monthly payment.

3 years ago Edited May 4, 2023

Consolidated Credit Logo

Reply from Consolidated Credit

Dear Kelly,
Welcome aboard and we're thankful for the opportunity to assist you! We're glad to help you find a program that worked for you.

May. 4th, 2023

star star star star star

Philip MacDonald Dorchester, MA

Very easy to get started. My agent Nick is great. I feel like I'll be able to get my financial situation back under control and improve my credit score.

3 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

Welcome aboard Philip! Thanks for letting us know how we did! We’re happy we could help you find a solution to overcome your challenges with debt. If you have any questions or run into challenges down the road, please don’t hesitate to give us a call. We’re here to help!

Mar. 14th, 2023

star star star star star

Debbie Mooney

They have helped me out . I was in a bad way and I called them and they got me back on track. I am extremely happy with this company. Recommend them.

3 years ago Edited July 10, 2024

Consolidated Credit Logo

Reply from Consolidated Credit

Welcome aboard Debbie! 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 or run into challenges down the road, please don’t hesitate to give us a call. We’re here to be your advocate!

Jan. 24th, 2023

check_circle

Review Source

star star star star star

Glenn Speake (Glenn William Speake)

They helped me out 3 and 1/2 years ago and this upcoming payment will be the final one. Thank you very much. My credit has gone up 200 points since we started.

3 years ago Edited December 19, 2022

Consolidated Credit Logo

Reply from Consolidated Credit

Dear Glenn,
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. 15th, 2022

star star star star star

kim gratteri MA

Great experience with Consolidated Credit, my finances are kept in order, they make the payments to the creditors for you, you sit back and watch your debts go away.

4 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

Dear Kim,
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. We appreciate you and wish you the very best in all your financial endeavors.

Sep. 29th, 2022

check_circle

Review Source

star star star star star

Samantha Balstra Tampa, FL

Tatiana was very professional and sweet. She help me with my billing which definitely helped me a lot in the future. She made the process fast and simple. Thank you!!

4 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

Dear Samantha,
Thanks for letting us know how we did. 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 or run into challenges down the road, please don’t hesitate to give us a call. We’re here to help!

Aug. 12th, 2022

star star star star star

rani albahri Brooklyn, NY

The company helped me resolve an issue that terrified my understanding on how one company was financially taking more in return then cutting my loan expenses.

4 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

Dear Rani,
Thanks for letting us know how we did. 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 or run into challenges down the road, please don’t hesitate to give us a call. We’re here to help!

Aug. 4th, 2022

star star star star star

Ethelene Kimber Leesburg, GA

Whoever I complete a review, it is always thorough and helps me to understand where I am with my payments and how much further I will be making monthly payments.

4 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

Dear Ethelene ,
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!

May. 11th, 2022

star star star star star

Suellen Grenko Chico, CA

W hat I like best of course is your accuracy and excellent customer service. I have been with you now for several years, and I greatly appreciate the help you have been.

4 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

Dear Suellen,
Thank you for choosing Consolidated Credit and 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!

Apr. 5th, 2022

check_circle

Review Source

star star star star star

Marla Kalin Brighton, CO

Great to work with and it’s a wonderful program to help you pay off your creditors timely with less interest. They monitor it regularly and stay in touch too.

4 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

Dear Marla,
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!

Mar. 21st, 2022

check_circle

Review Source

star star star star star

Kellie Fitzgerald Clementon, NJ

They are always so friendly, professional and helpful. Always excellent service, they really make you feel like they are on your side and eager to help.

4 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

Hi Kellie,
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!

Feb. 9th, 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 !

4 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

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

Sarah Wade Roxboro, NC

Easy to work with and very worthy of praise. Thankful for all they were able to do to help me knock down my balances and get my credit on the right track.

5 years ago Edited January 27, 2022

Consolidated Credit Logo

Reply from Consolidated Credit

Hi Sarah,
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.

Sep. 17th, 2021

check_circle

Review Source

star star star star star

Joseph Hazleton, PA

Customer Review Video

5 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

Welcome aboard Joseph! 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 or run into any challenges down the road, please don’t hesitate to give us a call. We’re here to be your advocate!

Jul. 28th, 2021

star star star star star

Linda R West South Boston, VA

That I don,t have to worry about late payments with late fees and knowing my creditors will be paid off soon ! Very stress free ! Thank you for being there for me, Linda West

5 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

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 on Consolidated Credit's website. These will help you learn strategies to avoid challenges with debt in the future.

Jul. 14th, 2021

star star star star star

Zasza Suitland, MD

Consolidated Credit has drastically lowered my interest rates making my payments lower. Signing up was the best thing i could’ve done for my credit!

5 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

Welcome aboard Zasza! 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!

Jun. 16th, 2021

star star star star star

Daryl W Hawthorne Arkansas City, KS

Made my bills more manageable, and helped me breath a little easier. I've received prompt service when I have questions, and the website is very thorough and intuitive.

5 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

Hi Daryl,
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!

May. 12th, 2021

star star star star star

kristie.adonizio Philadelphia, PA

I LOVE this company... I never would have been able to get out of debt without them. This place is seriously such a miracle, and I have so much appreciation for them!!

5 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

Hi kristie.adonizio,
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.

Apr. 7th, 2021

star star star star star

Alan L Atlanta, GA

Excellent, we'll prepared staff. Lays out plan and explores options with you. Have used twice and both times they have been a positive during hard times in my finances.

5 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

Hi Alan,
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.

Apr. 7th, 2021

star star star star star

Rene Grovetown, GA

My credit score increased dramatically. I paid my loans off a year in advance and was able to breathe again after massive credit card fees maxed me out. I am very happy!

5 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

Congratulations on the successful completion of your debt management program, Rene! 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 on YouTube. We’re constantly adding new videos that can help you become more financially savvy.

Mar. 18th, 2021

star star star star star

preciadofamily ,

The process has been easy , with great support from the organization. They have given me the chance to ask questions and kept me informed every step of the way.

5 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

Welcome aboard Preciadofamily! 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. 18th, 2021

star star star star_border star_border

Michelle Harris Beaverton, OR

They really helped me save, although I took a hit in my credit score. I was able to get financing for a new car no problem. The dip in my score was not mentioned when I asked the cons of signing up, so I would have appreciated all the facts so as to make an educated decision. All in all though, I'm glad I use CCC.

5 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

Dear Michelle,
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. 22nd, 2020

star star star star star_border

woodgirl1974 Ladson, SC

I would give a 5 but I was not told about the additional cost of the GM membership added to my debt payment. That should have been disclosed when I was told how much my monthly payment was going to be which was $240.

6 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

Dear Woodgirl 1974,

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, please give us a call and we’ll be happy to help.

Oct. 21st, 2020

star star star star star

Leah Oregon, OH

These guys have worked with us since we joined. They are kind and understanding. Glad we signed up with them because it has helped us get back on track and start new.

6 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

Dear Leah,

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

Oct. 21st, 2020

star star star star star_border

Tyner Atlanta, GA

They're good at explaining how they work with the creditors. I just don't like the added on fees for making payments. Wish it was just the 25 dollar monthly membership fee and nothing more.

6 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

Hi Tyner,
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

star star star star star

Lori Wagner Allentown, PA

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.

6 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

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!

Mar. 16th, 2020

check_circle

Review Source

star star star star star

Paulette Brown Oak Hill, WV

Tatiana was great, very polite and handled my account professional. The CC has paid my credit cards down with less interest. It helped my credit score.

6 years ago Edited February 8, 2022

Consolidated Credit Logo

Reply from Consolidated Credit

Dear Paulette,
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 on Consolidated Credit’s website. We hold free webinars every month that can help you achieve and maintain financial stability long-term. Make sure to check them out!

Jun. 6th, 2022

star star star star star

Bander Lawrence, KS

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

6 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

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.

Jan. 7th, 2020

star star star star star

Tim J

Everyone that I have spoken with at Consolidated Credit has been absolutely a pleasure to work with, and very helpful in getting me through the process.

6 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

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

Jan. 8th, 2020

star star star star star

Gloria Begovich Skokie, IL

Since I started doing business with Consolidated Credit, I have always had a satisfying experience. The representatives have always been professional and very helpful.

7 years ago

Consolidated Credit Logo

Reply from Consolidated Credit

Hi Gloria, 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!

Jan. 8th, 2020

star star star star star

Kelly K Portsmouth, OH

I just started with CC but everyone is very helpful and understanding. I am encouraged in knowing that I will be debt free and I am not alone in the process.

7 years ago

star star star star star_border

Carmen Freeport, NY

The experience so far has been very helpful. I have just started with Consolidated Credit. I need more time to see and express my experience with Consolidated Credit. Thank you

7 years ago

star star star star star

Olivia Martin Johnson City, TN

I spoke with Tori and she was very helpful and kind. She answered all my questions and went above and beyond to help. Great company and great customer service.

7 years ago

star star star star star

LJ Pendergrass, GA

On 5/6 i had called to make a change to my arrangement and Wanda exceeded my expectations and was able to make the changes that i needed. She was also very sweet and pleasant

7 years ago

star star star star star

Zac Midvale, UT

Very upfront, honest and most of all HELPFUL. Made me feel like there was a light at the end of the tunnel. Great program for people who fall into financial hardship

7 years ago

star star_border star_border star_border star_border

Sherri Moore Milton, WI

Consolidated credit claims to be non-profit but they take a fee every month and they call it a membership due they do not pay with the creditors on time I always paid them on time the only reason I joined was to try to get a lower interest rate cuz I called the creditors myself due to the fact that I was never late with them for years and tried to get a lower rate and they wouldn't and that wasn't fair so I called you guys to get a lower interest rate and you were able to get some cards on but not others and the ones you didn't get on the program still cancelled the cards and they still had to pay them separately at a high interest and the ones you did get on there I could no longer go online and check to make sure they received payment I had no way of knowing whether they receive payment or not and you paid them late I did get late notices from them and I never paid you late it came out automatically so I paid off everything in full about 8 months before the program would have ended so I could stop working with consolidated credit because It hurt my credit score not helped the people on the phone and the people through the messaging on my account or rude at times I found the program not as helpful as I would have liked I would have liked you to make the payments on time I would like more notification I would like that our access to pay more on the accounts to finish earlier I would like you to been able to either get all the credit cards on there or not have attempted to contact them if that was going to make them close the account but still have me make payments and you also closed my online account with you before all my creditors even receive payment and I would have liked to have been able to log online and see zero due to my creditors under your account and you didn't do that you also told me my payoff quote was higher than it was

7 years ago

star star star star star

Chris Oakdale, CT

Great customer service! Always very knowledgeable and helpful. I’ve never once had a poor experience with this company as I’ve gotten more and more OUT OF DEBT!

7 years ago

star star star star star

Todd Elliott Westminster, MD

Every time I call the representatives have always help me with all my issue and my questions/concerns with my account. A plus company keep up the great work

7 years ago

star star star star star

Roy Frederick Houston, TX

Very helpfull and knowledgable. Explaned the program very well. She was very nice and I feel that this program will help me out in this time of hardship.

7 years ago