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Consolidated Credit Reviews

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  • Pros
  • An ISO registered agency
  • Over two decades of experience and expertise
  • Credit counselors are certified
  • A range of additional solutions
  • Availability of a free consultation
  • Cons
  • Enrollment and monthly maintenance fees
  • Client Services only available from 9am-5pm

Consolidated Credit Reviews

Best Value Award 2016

Consumer credit and debt consolidation agencies offer a valuable solution for any consumer who is struggling with managing their debts. It can be overwhelming, however, when deciding whether debt counseling is right for you and which consumer credit and debt counseling agency offers you the best option.

Background

One excellent option is Consolidated Credit. An established debt and credit counseling service, Consolidated Credit has helped over five million Americans to save money and put their financial houses in order by collectively savings over $2 million in credit card interest. They provide access to a range of services geared towards helping those with debt and financial issues. Consolidated Credit has over twenty years of experience in this area and is a BBB accredited business. They have helped the average borrower cut their credit card payments by 30% to 50%-a substantial savings indeed. This debt consolidation service offers access to a range of solutions to help those with debt problems. This includes debt consolidation of a range of unsecured debts in order to help clients to get back on track with their finances.

The main goal of Consolidated Credit is to use debt consolidation to enable customers to reduce their monthly outgoings and cut the amount of interest that they end up paying to creditors. In addition to offering debt consolidation services, this provider offers a wealth of other services. This includes providing assistance with areas such as credit counseling, debt management, housing counseling, credit card debt solutions, and personal finances.

Staffed by Qualified, Certified Subject Matter Experts

One of the benefits offered by Consolidated Credit is their qualified staff. Many have decades of experience in the fields of debt consolidation, personal finance, and related fields. Consolidated Credits' staff includes multiple certified public accountants and nearly all are certified credit counselors. The years, and in many cases decades, of experience that Consolidated Credit's staff members have in helping consumers to improve their finances is a substantial asset in a field where such experience and qualification is not common.

Debt Consolidation and Debt and Budget Analysis

This debt consolidator offers some services for free including an analysis with an expert. Consolidated Credit also offers the opportunity for a more in depth look at your financial situation through their Depth and Budget Analysis tool.Consolidated Credit's website has a tool in which you simply fill in information as to your total debt level and then provide contact information and a Consolidated Credit staff member will contact you to offer a free consolidation analysis. The one downside to this approach is that you are required to submit personal information in order to take advantage of this feature, which means that you cannot evaluate whether their service would help you anonymously.

However, to the extent that you are interested in not sharing your contact information with Consolidated Credit while learning more about their services, the organization offers a series of free to use financial calculators to help assist you in managing your debt effectively even if you are not in the market for a consolidation loan.

Consumer Education

Consolidated Credit also offers a number of resources to keep would be borrowers out of financial trouble. Their website offers a large supply of how to articles on everything from keeping your debts under control to tips for coping with financial stress. For instance, the organization also offers free webinars for those who may need their services as well as a frequently updated blog with helpful tips for those who may be struggling with credit card debt. Consolidated Credit also offers community programs on financial literacy, attempting to spread their mission to help consumer achieve success in their personal finances.

Housing Counseling and Assistance

Consolidated Credit and its staff are also accredited by the U.S. Department of Housing and Urban Development to provide housing counseling to distressed homeowners. This means that they will work with underwater homeowners or those who may be facing foreclosure in order to evaluate their options as well as decide whether it is worth attempting to stay in their home, fight foreclosure or make the difficult decision as to whether to walk away. Where the particular expertise of Consolidated Credit's housing counselors particularly comes in handy is their knowledge of state-specific programs that a particular distressed homeowner may be eligible for. For instance, Florida, the epicenter of the recent foreclosure crisis, offers a program called the Hardest Hit Fund with very specific and technical requirements. As certified housing counselors and experts in such state programs, Consolidated Credit's staff members can evaluate whether a distressed homeowner can benefit from any such state specific programs. Consolidated Credit also offers assistance in evaluating whether homeowners over 62 are eligible for reverse mortgages and also provides education and counseling to potential homebuyers on what can be a very intimidating and daunting process.

Verdict - Superb

After reviewing its experience, professional services, and expert counselors, it is clear that Consolidated Credit can provide an invaluable service for those who want to eliminate the need to deal with multiple debt repayments and instead just have one manageable repayment to cope with. Unlike many credit counseling agencies, and in a time when many millions are struggling to put their financial house in order, Consolidated Credit has the trained, qualified staff with the appropriate experience and professional certifications to assist you in restoring your Consolidated Credit offers the tools to succeed in doing so.

Consolidated Credit offers potential borrowers the ability to evaluate not only their options with respect to consolidating credit card debt but also assisting distressed homeowners or those who are thinking about buying homes in the near future. Not only that, but its website serves as a comprehensive and free resource for avoiding problems with debt and money management in the future for those who may just be trying to climb out of a financial black hole. Credit Counseling offers a breadth of services along with the highly trained and qualified staff necessary to get the job done for anyone who is looking to right their financial ship.

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Consolidated Credit Consumer Reviews

Average Customer Rating

8 out of 10 rating 8 6 User Reviews

User Rating Distribution

Ratings: 10 - 9 4
Ratings: 8 - 7 2
Ratings: 6 - 5 0
Ratings: 4 - 3 0
Ratings: 2 - 1 0
10 out of 10 rating 10 Cleared debt None

Thanks to Consolidated Credit I am now debt free. It would have been impossible without their help and the team are with you every step of the way. Fantastic service and as much as I am grateful for their help, I hope I never have to use them again!!!!

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7 out of 10 rating 7 Have seen an improvement in debt Start taking payments too early

I signed up to CC to help clear my $50k debt and I could not believe that they started taking the monthly payments before that had contacted all of my creditors. For a couple of months I had the extra payment coming out! I was struggling to pay my debts as it was without having an extra payment!

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9 out of 10 rating 9 Customer services No cons

The best part about consolidated credit is that it does not effect your credit. The reps are helpful and informative and after only a few months I noticed a difference in my debt.

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9 out of 10 rating 9 Helpful, considerate Nothing

Consolidated Credit Helped us get our finances in order and helped us better manage our budget and spending habits. Overall, It has been a good experience with them.

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10 out of 10 rating 10 Helpful, considerate None

Consolidated Credit helped me start making good decisions after years of making bad one. This is a company that cares about you and one that you can trust. You'll have no worries.

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8 out of 10 rating 8 It worked for me Nothing

I had so much debt, roughly around $26,000 with a high interest rate. I was fearful that it would never be paid off, but Consolidated Credit got me through it.

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Advertiser Disclosure

In order for MoneySavingPro to remain a consumer free service, many of the companies covered in our industry reviews compensate MoneySavingPro for new sign ups.

However, the results of our comparison tools, the rankings of the providers and the information presented is not affected by compensation. Indeed, many of these companies approach us for an advertising partnership after we have already written a published their reviews.

While we try to research and review as many providers as possible in the 100+ industries we cover, we have not reviewed every company available.

Our rating system is independent of compensation and reflects our true understanding of the industry and the company based on a variety of factors. The companies that receive the highest rating will always be the providers that we believe offer the best value to the consumer.

Advertiser Disclosure

In order for MoneySavingPro to remain a consumer free service, many of the companies covered in our industry reviews compensate MoneySavingPro for new sign ups.

However, the results of our comparison tools, the rankings of the providers and the information presented is not affected by compensation. Indeed, many of these companies approach us for an advertising partnership after we have already written a published their reviews.

While we try to research and review as many providers as possible in the 100+ industries we cover, we have not reviewed every company available.

Our rating system is independent of compensation and reflects our true understanding of the industry and the company based on a variety of factors. The companies that receive the highest rating will always be the providers that we believe offer the best value to the consumer.