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Christian Credit Counselors Inc Reviews

Reviews of Christian Credit Counselors Inc from real customers
(0 verified)

Our Score
5.3
User Score
--

See Top Rated

Our Score
5.3
User Score
--
Rank this Company

Ratings Breakdown

Price

monthly price range
Up to $75

Up-Front Fees

setup & activation fees
Up to $100

Free Consultation

is one included?
Yes

Credit Counseling

do they offer credit counseling services?
Yes

Certified Counselors

are there certified counselors on staff?
Yes

ISO Certified

is this business ISO certified?
No

Number of Reviews

User reviews here on BDC
0

Overall Score

Based on ranking criteria
5.3 /10

Consolidated Credit

Compared to industry leader
9.3 /10

This Review is maintained by Chase Sagum

Review Last Updated: January 27, 2019

  • May take longerMany debt consolidation companies say programs take two to three years to complete, when in reality, in the debt consolidation industry, the average is about three to four years. CCC indicates that it can take up to five years with their program.
  • Free consultation: Christian Credit Counselors (CCC) provides a free consultation to those looking for more information, and will put together a budget and debt analysis based on your current debt, income, and lifestyle. 
  • Lack of transparency: CCC is not transparent regarding fees, interest rates, or upfront costs.
  • Long tenure in the industry: Christian Credit Counselors is one of the oldest companies in the debt consolidation industry, having been operating for over 28 years.
  • Lack of accreditations: CCC does not appear to have any of the accreditations standards in the debt consolidation industry, despite being a major company in the industry for over 28 years.
  • Our recommendation: Due to their lack of transparency and accreditations, we recommend another company for debt consolidation and counseling services such as Consolidated Credit.

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  • Takes your existing debt and try to settle with your creditors for a lower amount. If you pay off the settled amount, your debt will be considered paid in full.
  • Negotiates with your creditors on your behalf.
  • Fee based on a percentage of your total starting debt or a percentage of the debt they save you.
  • Most settlement companies have you create a separate "escrow" account where you will make monthly contributions over a certain amount of time to contribute to your settlement. Once there is a substantial amount of funds to show your creditors, the settlement company will try to negotiate a lower amount of debt.
  • Combines all your debts and creditors into one monthly payment.
  • Allows you to pay one monthly payment to the consolidation company, instead of multiple payments to different creditors.
  • You no longer owe your original creditors; instead you pay one monthly payment to your consolidation company.
  • Consolidation companies can help negotiate lower interest rates on your debts and help lower your total debt payment in the long run. A lower interest rate will lower the amount you owe in the end.
  • Allows you to consolidate all your different debts into one personal loan that can be paid off over time.
  • Can offer borrowers a lower interest rate with a longer payback term (compared to high-interest credit cards or medical bills). This will lower the amount of money required to pay off the loan over time.
  • Personal loan debt consolidation can be an effective way to raise your credit score quickly (within 3-6 months).
  • Borrowers can receive funds from their loan within only a few days.

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Our Score
5.3
User Score
--
Rank this Company

Ratings Breakdown

Price

monthly price range
Up to $75

Up-Front Fees

setup & activation fees
Up to $100

Free Consultation

is one included?
Yes

Credit Counseling

do they offer credit counseling services?
Yes

Certified Counselors

are there certified counselors on staff?
Yes

ISO Certified

is this business ISO certified?
No

Number of Reviews

User reviews here on BDC
0

Overall Score

Based on ranking criteria
5.3 /10

Consolidated Credit

Compared to industry leader
9.3 /10
Our Score
9.3
User Score
9.4
Rank this Company

Ratings Breakdown

Price

monthly price range
Up to $69

Up-Front Fees

setup & activation fees
Up to $49

Free Consultation

is one included?
Yes

Credit Counseling

do they offer credit counseling services?
Yes

Certified Counselors

are there certified counselors on staff?
Yes

ISO Certified

is this business ISO certified?
Yes

Number of Reviews

User reviews here on BDC
425

Overall Score

Based on ranking criteria
9.3 /10