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Christian Credit Counselors Inc

Christian Credit Counselors has provided debt consolidation services since 1990. The company focuses on Christian principles to help people eliminate debt.

Our Score
5.3
User Score
--

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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

Time in Business

total # of years
27 years

Credit Counseling

do they offer credit counseling services?
Yes

Certified Credit 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

This Review is maintained by Chase Sagum

Review Last Updated: January 2, 2017

Christian Credit Counselors has been in the debt consolidation industry for over 25 years. They offer a free consultation with a certified counselor with no obligation to sign up for their services. The company has helped over 300,000 people with its debt relief program.  

Rank Chart
Monthly Price
Accreditations
Review

#1

Up to $69
FCAA & ISO

#2

$10-$40
AFCC & IAPDA

#3

$10 - $49
ISO

#10
logo

Up to $75
FCAA

The Good

  • Free consultation with certified counselor
  • Get out of debt 80 percent faster

Free Consultation

Christian Credit Counselors (CCC) has over 25 years of experience as a non-profit in the debt consolidation industry. The company has certified counselors who provide a free consultation to those looking for more information. On top of that, credit counselors at CCC will put together a budget and debt analysis based on your current debt, income, and lifestyle.

View Top Rated Companies

The Bad

  • May take up to five years
  • Lack of transparency

May Take Longer

Many debt consolidation companies say programs take two to three years to complete. From our research in the debt consolidation industry, the average is about three to four years. On CCC’s website, they say it can take up to five years, which is high in the industry. This can be a deciding factor for potential customers who want to get out of debt faster.

Lack of Transparency

CCC’s website is lacking a lot of information that we use to rank companies. This information is also crucial for potential customers to consider when choosing a company to work with. We could not find information on the following:

  • Refund / cancellation policy
  • Interest rates
  • Industry accreditations (ISO, FCAA, and NFCC)

Want to see the top rated Debt Consolidation Companies? Click Here

The Bottom Line

Christian Credit Counselors is one of the oldest companies in the debt consolidation industry. A free consultation and debt analysis is just one of the great features they offer. We are concerned regarding the company’s lack of information on interest rates and accreditations. For these reasons, we do not recommend working with Christian Credit Counselors.

Click Here for our Top Recommended Debt Consolidation Providers.


Christian Credit Counselors

Christian Credit Counselors is a non-profit organization that offers customers access to a credit counselor to help them get back into financial stability. The credit counselor will work with the customer to provide a free debt analysis report and budget to help find the best financial solution. Christian Credit Counselors then provides debt consolidation by gathering all of the customer’s debt into one easy monthly payment and lower interest rates. In the end, customers can expect a debt payoff within 24 to 60 months.

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Poll

  • When looking for a debt settlement company, which of these two aspects is most important to you?
  • 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

Time in Business

total # of years
27 years

Credit Counseling

do they offer credit counseling services?
Yes

Certified Credit 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
Our Score
9.4
User Score
9.6
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

Time in Business

total # of years
24 years

Credit Counseling

do they offer credit counseling services?
Yes

Certified Credit Counselors

are there certified counselors on staff?
Yes

ISO Certified

is this business ISO certified?
Yes

Number of Reviews

User reviews here on BDC
557