Name: Consolidated Credit
Rating: 4.9

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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 nearly 30 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 counselors conduct a counseling sesion where they review 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 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 between $0 and $9 depending upon debt amounts, number of creditors, state regulations and budget constraints.

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

Debt management 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 arrange 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.

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 a member 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.

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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?

We do our best to remain flexible and understand some months there may be an emergency expense or unexpected bills. In these cases we try to delay the payment or communicate with your creditors to help you skip that month. A debt management program is 100% 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.

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User Reviews

Star Rating

4.9

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1,579 Reviews

Review Breakdown

5 grade

88%

4 grade

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Featured Review

Robin Hinaman

the management of debt and the cooperation of creditors in negotiating interest was a game changer for us when we were struggling with high interest debt.

1 year ago Edited April 4, 2025

Reply from Consolidated Credit

Dear Robin,
We're happy to take some stress of your shoulders and find a program that worked for your needs and goals. We're excited to be working with you and appreciate you 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

Jul. 13th, 2024

Jason Price

I would recommend Consolidated Credit to all of my family and friends!

1 year ago

Hi Jason,
We're pleased to hear you've had such a good experience with us that you'd give us the thumbs up to others! We'd love it if you did mention us to your friends or family. If you do, tell them to call 877-987-3337! You can also stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

Jul. 3rd, 2024

Ashley Gordon

Phenomenal customer service! The staff went above and beyond to ensure my needs were met, offering prompt, friendly, and attentive assistance. Every interaction felt personalized, making the entire experience seamless, enjoyable, and truly memorable. Highly recommend!

1 week ago

Isabel Caban

They are very kind and guide me step by step. They explain and clarify any doubts well, and most importantly, thanks to the program I have been able to reduce my anxiety.

Hi Isabel,
We're delighted to hear the program has helped you feel less stress and that you've had enjoyable interactions with our team! Thank you for the feedback. 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. 1st, 2025

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Verified Customer

Mark Wasilko USA

4 months ago

Hi Mark,
Thank you for letting us know that Gianna made such a positive difference for you! 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

Aug. 17th, 2025

Adam Martin

Excellent service, great flexibility in moving payments, and got me through 12k worth of debt in about 18 months.

3 days ago

Eduardo Martinez

The service has been outstanding, the reps are friendly and respectful. I have dealt with other services and I never received such a good and prompt response. Thanks!

3 weeks ago

Hi Eduardo,
It's a pleasure to know you received the high level of service you deserve! Thank you for taking the time to share your experience with us. 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

Nov. 16th, 2025

Judith “Judi” Paugh

Consolidated Credit has been a blessing for me, they helped me very much, in getting my accounts in control and paid in full. This was very easy and no stress, I'm very Satisfied

1 month ago

Dear Judi,
Congratulations on completing your program and achieving the goal of paying off your accounts! We wish you the best now that you're unburdened and we're delighted to have worked with you through this process. 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

Oct. 12th, 2025

Lorinda Mlller

Easy and reliable. Been a relief to find this solution after having a heart attack and losing my job. My income dropped dramatically and I had no idea what to do. Thank you for your help

Dear Lorinda,
We're very sorry to hear about your situation but are glad we can provide some help during this difficult time! If you ever have questions or need additional help, don't hesitate to contact client services at 877- 201-7780.

Tasha Soukkala

This gave me my life back. I was struggling immensely and was feeling like there were no options left. Now I am slowing paying things off and did not lose my car or home. If you're at the point of no more options with debt and you do not want to declare bankruptcy, this is the best option. I'm grateful to find such a helpful company every day.

2 months ago

Dear Tasha,
We understand how easy it can be to find yourself in debt and how difficult it can be to live with it. We're glad to be able to take a load off your shoulders and give you another option that works better with your needs and goals! Thank you for taking the time to share your experience with us. 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

Sep. 14th, 2025

Mary Anne Traver

My debt is being consistently paid. I see the results. This was a very easy decision for me to make, and, I'm glad I did.

Hi Mary,
We're glad to be working with you and are delighted to know how well the program is assisting you! Thank you for the feedback. 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

Teresa

They have helped me come almost completely out of debt in as little as 3 years! (I hope not..... but) if i ever need this service again i would definatly use them

Hi Teresa,
We're delighted to hear you're almost out of debt and done with the program, congratulations on your progress! We appreciate the chance to be part of your financial journey and for you sharing your experience. 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

Nov. 3rd, 2025

Kathy Collins

They were extremely accommodating when I had to set the start date back more than once. Every payment to my cards has been on time and the cost to me is very reasonable.

Hi Kathy,
We understand our program can't be one-size-fits-all and do our best to keep things flexible. We're glad to hear that flexibility has helped you out and we're delighted to be working with you! 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

Gamaliel Pinto

Ive paid off 4 credit card balances in full through them in what felt like no time at all. They have given me good advice on which ones to pay first and with zero interest the balances shrink fast!

Hi Camaliel,
Congratulations on making so much progress already! That's a great result and will make paying off your remaining accounts that much easier. It's a pleasure working with you and we can't wait to see you finish the program. 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

Phillip Wester

I have been a client for a little over a year now, and I cannot complain. Everything has been smooth with no issues. My credit score is going up while my financial stress level is going down. Thanks for being a great company!

3 months ago

Dear Philip,
It's a pleasure to hear your program and customer service have both been satisfactory for the past year. We're happy to know the program is helping you meet your needs and goals and look forward to when your accounts are finished! 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

sandra frank

Dear Sandra,
It's a treat to hear you've found the program and our team to be convenient, helpful, and effective! We're delighted to be working with you and appreciate you sharing your experience. 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

baconpancakes

Before I joined this program, I was absolutely playing "ostrich" by ignoring my overdue credit card balances. Eventually I got sent to collections. I panicked and looked for help through NFCC and was referred to ConsolidatedCredit. I then got a call from ConsolidatedCredit Senior Account Manager, Erick R. I want to commend him for being incredibly patient with my questions and anxiety about joining a credit consolidation program. He explained the difference between credit consolidation and debt settlement, which helped me make an informed decision to choose Consolidated Credit. I am so grateful that they were able to cut my interest rate in half for 2 cards, and even more than that for the remaining card. My credit score has gone up over 60 points since I signed up 7 months ago (this is not a guarantee that yours will do exactly this -- everyone has different debt situations) and I no longer feel stressed out about payments!

7 months ago

Hi Baconpancakes,
Thanks for sharing your experience in such detail. We're delighted Erick took the time to answer all your questions fully and find a program that fit your needs and goals. It's great your credit has improved so much, and we look forward to seeing what else you'll achieve in the program! 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

Apr. 26th, 2025

Deusdedit Valentin NA

Dear Deusdedit,
Thank you for sharing your experience! It's a delight to be part of your financial journey and help you achieve these goals. We're glad to hear you received the high level of service you deserve and are in a program that fits your needs well. 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

Aug. 18th, 2024

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.

5 years ago

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

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.

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

Paola

I appreciate so much the help I got negotiating a fair APR and payment scheduling done in my behalf by Consolidated Credit. Thank you!

Dear Paola,
We think everyone should be able to pay off their debts without the burden of high interest rates. We're happy to assist you! Thank you for the 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

Janice Allan

Awesome company. No hassles, quick and simple and easy to work with. Very professional, well mannered and helpful agents from my experience 👍🏽

Dear Janice,
Welcome aboard! We're excited to be working with you and are pleased to know you've received the high level of service you deserve. 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

gale kraft

I’ve been very fortunate your company has been here to help me get out of debt, without the help I couldn’t see an end to my self made madness. Thank you Gale Kraft

2 months ago Edited November 8, 2025

Dear Gale,
It's a pleasure to know you've been receiving the high level of service you deserve! We appreciate the chance to work with you and 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

Sep. 20th, 2025

Amanda Rae

Has helped me achieve my goals of becoming debt-free!

2 days ago

Gwen Sports

Customer service is awesome very helpful

Barbara Silverman

Good customer service. Agents very willing to assisst.

jennifer mejia

This is my second time consolidating my credit with this company and both times the process has been extremely easy and convenient. I love how I can change my monthly payments if I need to and using the website is so easy. I would highly recommend this to anyone needing to pay off debt.

5 months ago

Dear Jennifer,
Thank you for sharing your experience with us! We're glad you find our program, portal, and customer service helpful and easy to use. 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

Jul. 12th, 2025

Kim Goldin

Consolidated made everything so easy; I felt I was fully educated on the process, as well as put at ease around the legitimacy of the organization. Being a non-profit company made me more willing to trust them and there have been no hiccups since engaging with them. Highly recommend!!

5 months ago Edited November 8, 2025

Dear Kim,
We're delighted to be working with you and are glad the consultation and enrollment process for you was easy. 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

Me Not You

The month closes all accounts with consolidated credit and also done final survey sent to my email. So all well that ends well. Keep up the good work! Talked with many reps during time with consolidated credit. I don't recall specific names,but all reps were knowledgeable and resolved all issues. Ok that's a lot reviews and survey's hope this helps.

Dear Me,
Congratulations on completing your program and paying off your accounts! This is a real achievement, and you deserve a pat on the back for all your hard work and dedication. Thank you for sharing your experience and providing your feedback, we're delighted to know you received the professional and friendly help you deserved throughout your journey. If finances ever comes up in conversation, 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

May. 18th, 2025

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!

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!

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.

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!

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.

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.

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.

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!

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.

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.

Mercedes Martinez

Excellent for the time and money. All my questions are answered quickly and confidently.

Dear Mercedes,
We strive to deliver stellar care and are glad you've received the high level of service you deserve! 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

Lisa S Rice

I just started with consolidated but so far so good. I feel confident that my credit will improve. and I see results already. this is a great program . I joined this program thru my credit union , This program delivered . they are helping me and my money is going directly to my credit cards. this program got a low interest rate on my credit cards and I have three years to pay all off. This company is well organized and you can actually observe the chart and see where your money is going . the company only charged me forty nine dollars monthly fee . all was rolled with the credit card payments , and it is worth it. Great program I'm excited to pay this bill monthly to get rid of these credit cards. Thank You Consolidated Credit !! also The customer service is great. they help you like your part of the family. I was crying when I spoke to someone I could not take the high interest rate anymore. Thank you Consolidated Credit !!

10 months ago

Dear Lisa,
Thank you for sharing your experience in such detail. We're so happy to be working with you and are pleased to know you've been receiving the informative, helpful, and friendly service you deserve! We can't wait to see the progress you'll make and are counting down the days until you graduate from the program. 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

Mar. 17th, 2025

Conner Gladden

11 months ago

Dear Conner,
We appreciate you taking the time to leave a review in such detail! It's a delight to be working with you and we're pleased the program has been so helpful. 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

Jan. 1st, 2025

Rachel Brandt

Its a easy simplified program, and has a great impact on your balances, because they can negotiate lower APR rates.

Dear Rachel,
We try our best to make the program convenient and effective. We're so glad it's working well for you! 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

Peg O'Neill

I like how I didn't have to do all the work to get this done and that they keep me informed of any changes. So far my credit rating is slowly increasing so I am very pleased.

3 months ago Edited September 3, 2025

Dear Peg,
We understand how much of a hassle getting the ball rolling on a debt management program can be and we're happy to take that work off your shoulders. Thank you for choosing us as a partner in your financial journey and for sharing your experience! 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

Lucas Thrailkill

Consolidated Credit has been an absolute blessing. Knowledgeable, friendly, and accommodating staff that make me feel like a person. Not the kind of company that treats everyone like numbers.

Dear Lucas,
We understand how easy it can be to get into debt and how difficult it can be to get out of. We're glad our team treated you with the empathy and professionalism you deserve! Thank you for sharing your experience with us. 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

Joe Collins Jr (Jojo)

A great service to have and great business to deal with!

Hi Joe,
Welcome aboard! It's a pleasure to know you've been happy with the program and our teams. 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

Tyler Henderson

Love this company. Since 2019, I have paid off 2 of 3 credit cards using them and will be done paying off the last card in 2026. Their customer support is amazing. You can’t go wrong if you choose this company to help eliminate your credit card debt!

Dear Tyler,
We appreciate you sharing your experience and are so glad to see your progress! Thank you for choosing us as a partner in 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

Erin W

The folks with Consolidated Credit have been considerate and truly helpful. I feel confident that with the extensive resources and support, I can only succeed and improving my financial situation. They made a hopeless situation feel manageable.

8 months ago

Dear Erin,
We understand how difficult it can be living with debt and how daunting it can feel to try and tackle it. We're pleased to be able to assist you in reaching your financial goals while making your day to day a little bit easier. We appreciate you sharing your experience. 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

Mar. 30th, 2025

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.

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!

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.

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.

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.

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.

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.

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

Barbara hesser

this has been a big help having there help to get me back on track to save my credit

Dear Barbara,
We're delighted to know our team has been so helpful to you! Thank you for taking the time to share your experience. 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

Brenda Villa

6 months ago

Dear Brenda,
We're pleased to know your program is providing real help and that our team has been friendly and helpful. We understand how difficult things are right now and are grateful to help in any way possible. Thank you for taking the time to share your experience! 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

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.

4 years ago

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

Consolidated Credit