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Christian Credit Counselors Inc

Christian Credit Counselors focuses on Christian principles to help people eliminate debt.

Our Score
5.3
User Score
--
Our Score
5.3
User Score
--
Rank this Company

Ratings Breakdown

Monthly Enrollment Fee

Up to $75

Setup & Activation Fee

Up to $100

Free Consultation

Yes

Credit Counseling

Yes

ISO Certified

No

Number of Reviews

0

This Review is maintained by Chase Sagum

Review Last Updated: June 27, 2019

Christian Credit Counselors (CCC) is a non-profit credit counseling company that offers debt management and debt consolidation to those who find themselves in more than $10,000 of unsecured debt. The company was established in 1990 and has since helped over 300,000 people pay off their debt.

Rank Chart
Monthly Price
Accreditations
Review

#1

Up to $79
FCAA & ISO

#2

$10-$40
AFCC & IAPDA

#3

Up to $49
ISO

#10
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Up to $75
FCAA

Pros

New Credit Card Interest Rates

Christian Credit Counselors says that they will negotiate with your creditors to lower your interest rate down to 0.00% to 15.99%. On their website, their credit card interest rate example is 6.34%, which we assume is their average rate. That potential new interest rate is comparable to some of the top debt consolidation companies.

Unlike debt settlement, CCC (and other debt consolidation company’s) do not negotiate a lower debt amount you owe. Instead, they negotiate a lower interest rate with your creditors. If you choose this debt management program, you will pay back everything you spent, but it will be less overall because your interest rates will be much lower.

Compare rates to top debt consolidation companies

Cons

Small Company

This is a relatively small debt consolidation company. Christian Credit Counselors has around 20 employees total. The top-ranked debt management companies on Best Debt Companys have over 200 employees. These larger companies have helped millions of people get out of debt, whereas CCC has helped 30,000.

Christian Credit Counselors claims they work with “over 400” creditors. This may seem like a lot, but the larger debt consolidation companies have relationships with over a thousand creditors. If CCC does not have an established relationship with one of your creditors, it may be in your best interest to find a company that does.

Potentially Long Completion

Many 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. Christian Credit Counselors indicates that it can take almost five years with their program.

Negative Christian Credit Counselors Reviews

Again, because CCC is a smaller company, there are not as many consumer reviews out there. On Google’s review page, CCC has 2.9 out of 5 stars. The main complaint among these reviewers is the company’s customer service. Complaints state that the customer service is unprofessional and sometimes difficult to get ahold of.

Our Recommendation

Due to their size and lack of major industry accreditations, we recommend another company for debt consolidation and counseling services such as Consolidated Credit.


Christian Credit Counselors FAQ

Does CCC offer a free consultation?

Christian Credit Counselors provides a free consultation to those looking for more information on how to deal with their debt. The company will even put together a budget and debt analysis based on your current debt, income, and lifestyle. If you choose CCC as your debt management company, they will provide counseling as long as you are a customer.

How long have they been in business?

CCC is one of the oldest companies in the debt consolidation industry. They were established in 1990.

What is the minimum amount of debt Christian Credit Counselors’ will deal with?

$10,000

What industry accreditations do they have?

  • NACCC (National Association of Certified Credit Counselors)
  • AFCPE (Association for Financial Counseling and Planning Education)
  • FCAA (Financial Counseling Association of America)

* They are not accredited with the NFCC or ISO – two major industry organizations

What states does CCC operate in?

Christian Credit Counselors is licensed in 34 U.S. states. They are not available in the following 16 states: CT, DE, ID, KS, ME, MD, MT, NV, NH, NJ, NM, NY, RI, UT, VT, WI

How much does it cost a month to use CCC?

Your monthly payment with CCC will be a maximum of $75, depending on what state you live in. When you enroll, you will be charged a one-time fee of $49.

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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

Monthly Enrollment Fee

Up to $75

Setup & Activation Fee

Up to $100

Free Consultation

Yes

Credit Counseling

Yes

ISO Certified

No

Number of Reviews

0
Our Score
9.1
User Score
9.4
Rank this Company

Ratings Breakdown

Monthly Enrollment Fee

Up to $79

Setup & Activation Fee

$0-$49

Free Consultation

Yes

Credit Counseling

Yes

ISO Certified

Yes

Number of Reviews

430