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Consolidated Credit Reviews

Consolidated Credit

Consolidated Credit offers transparent pricing and company information. The company is available in all states and is great for credit card debt.

Our Score
9.3
User Score
9.4

Mon-Fri from 9am - 5pm (EST)   1-(855) 982-2967

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

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
387

This Review is maintained by Chase Sagum

Review Last Updated: December 22, 2016

Company Awards / Certifications

  • #1 Staff Pick BestDebtCompanys.com 2014
  • EIFLE Nonprofit Organization of the Year Award 2012
  • Proud Member of HUD and a Member of the Hope Now Alliance
  • Certified ISO 9001 Company
  • All Counselors are CPFC Certified
Ideal Consolidated Credit Candidate:
  • Up-to-date or less than 3 months behind on their monthly payments
  • Interested in paying down their debt principle
  • Credit card debt

Since 1993, Consolidated Credit has helped over five million people get out of debt. Like all consolidation companies, they focus on combining credit card debts into one monthly payment at a lower interest rate than what you are currently paying. Customers usually pay 30 to 50 percent lower than their current payments.

The Good

  • Low interest rate
  • Available in all 50 states
  • No cancellation fees

Low Interest Rates

Most consolidation companies do not reveal their interest rates online or over the phone until they know you are interested. While Consolidated Credit does not display their interest rates online, they told us they can get interest rates down to 6 to 10 percent on each credit card. This is just one of many ways that Consolidated Credit is more transparent than others in the industry.

Benefits

Almost everyone who leaves a review of their experience with Consolidated Credit is overly appreciative of the courteous and knowledgeable credit counselors. Many reviewers are also happy with the time it takes to pay off their debts.

  • Transparent, low interest rates
  • Certified counselors
  • ISO and AICCCA certificates
  • Available in all U.S. states
  • Cancel at any time with no fees

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The Bad

  • Higher than average up-front fees
  • Negative reviews

High Up-front Fees

Compared to other debt consolidation companies, Consolidated Credit has a slightly higher up-front fee – $69. Of the companies we reviewed that give out up-front fees, we found that the average payment is $56. Keep in mind that this is a one-time fee, and is only slightly higher than what other companies are charging.

Negative Reviews

Negative reviews of Consolidated Credit are much more difficult to come by than positive ones. However, some customers said they wish they could have an up-to-date balance of their accounts. One reviewer said she had trouble with the payment due each month.

The Bottom Line

Consolidated Credit is transparent about who runs the company, their prices, and what states they are available in. Finding a company that is up-front about all of this information and more is rare in the consolidation industry.

One of Consolidated Credit’s certified counselors will be able to give you exact pricing for your unique situation without any fees. We recommend working with Consolidated Credit for any credit card debt you find yourself in.

About Consolidated Credit

Consolidated Credit is a true consolidation company that focuses on combining all credit card debt into one monthly payment at a lower interest rate. In one customer experience, Consolidated Credit was able to help a customer consolidate $50,000 of debt on multiple credit cards into one monthly payment and reduce their interest rates from 29 percent to 6 percent. On top of debt consolidation, Consolidated Credit also offers services with budgeting, credit counseling, financial distress from life events counseling, financial advice, and housing counseling.

Contact Information

Website: www.consolidatedcredit.org
Email Address: Contact Form
Hours: Monday-Thursday 8AM to 10PM EST; Friday-Saturday 8AM to 8PM EST; Sunday 9AM to 5PM EST
Address:5701 West Sunrise Blvd., Fort Lauderdale, Florida 33313

 Time in Business

Consolidated Credit has been in business since 1993. Their website states that they have served over five million customers since opening their doors.

Debt Education

Consolidated Credit has several sections on its website devoted to helping consumers understand how to handle their personal finances properly. Under the “personal finances” tab, you can find an introduction to budgeting, a section on Budgeting for college students, and a section on budgeting for kids. Along with these sections, the website also offers advice on preparing financially for major life events. Another section on the website is geared toward helping consumers understand what credit is, how to repair their credit, how to understand credit history, and even a section on helping people who are new to the United States establish credit. The website’s information on buying homes and its glossary of financial terms are also tools Consolidated Credit uses to educate consumers about their personal finances.

Money-Back Guarantee

No they do not offer any money-back guarantees or refunds.

Unsecured vs. Secured Loans

Consolidated Credit only handles credit card debt, which is an unsecured debt.

Mobile-Friendly Site

Consolidated Credit’s website is mobile friendly and easy to navigate. The mobile site clearly displays their contact information, the option for getting a free debt consultation, and a free financial tips section. The mobile site does not include all the same details and features as the desktop computer site, but it has enough options that consumers can easily use their basic services on their phone.

They also offer a budgeting app for mobile phones. We love their tools offering.

 Services Provided

Consolidated Credit offers the following services: debt management, credit counseling, credit card debt advice, and personal financial help. They also have an entire specialized section of services for financial problems associated with housing. The housing services they offer consumers include foreclosure prevention counseling, mortgage payment assistance, reverse mortgage counseling, and homebuyer education and counseling. In addition, they offer online seminars about housing, and the company’s Housing Counseling Team meets with people near Fort Lauderdale, Florida, to provide advice on buying a home.  Their website also features a housing and mortgage glossary to help new homeowners or potential home buyers become acquainted with financial definitions.

Online Dashboard

An online dashboard is available for account holders. Customers are given a login and are able to see the status of their account 24/7.

Are there any inaccuracies in this review? We take our accuracy very seriously and would love your feedback. Give feedback here.

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We'll Introduce you!

Call our recommended rep over at Consolidated Credit below.

1-(855) 982-2967
Or you can visit their site by clicking here.

387 Consolidated Credit Reviews

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  1. User Score
    10
    January 20th, 2017
    0 people found this review helpful!
    I called credit consolidation because I need I was in need of customer service and a more detailed explanation of what exactly was going on. Moving forward and I refer to Tatiana and it’s only her, I wish more customer representative swear like her. After a few hiccups we were able to come to agreements and understanding that I was not fully explained what was expected and required of me. But with her patience and knowledge it become a thing of the past and I think her.
    #weneedmorelikeher
    Read More
  2. User Score
    10
    January 18th, 2017
    0 people found this review helpful!
    Excellent service from Tatiana
    Read More
  3. User Score
    10
    January 18th, 2017
    0 people found this review helpful!
    Tatiana answered my questions very efficiently.
    Read More
  4. User Score
    10
    January 18th, 2017 Edison, NJ
    0 people found this review helpful!
    Thank you all for understanding my situation.
    Read More
  5. User Score
    10
    January 18th, 2017
    0 people found this review helpful!
    She did a great job, had patience with me because I was frustrated, and she handled it well.
    Read More
  6. User Score
    10
    January 18th, 2017
    0 people found this review helpful!
    everyone I have ever spoken to has been extremely helpful and polite
    Read More
  7. User Score
    10
    January 17th, 2017
    0 people found this review helpful!
    Sought the assistance I was looking for and it has helped my debt go down and stay with my goals.
    Read More
  8. User Score
    10
    January 17th, 2017
    0 people found this review helpful!
    Excellent customer service
    Read More
  9. User Score
    10
    January 16th, 2017 Farmington, MI
    0 people found this review helpful!
    Carrianne was very helpful with my call today. Just went over my statements and I added money to my monthly payment. Very easy!!
    Read More
  10. User Score
    10
    January 16th, 2017
    0 people found this review helpful!
    Called to make my monthly payment, as usual.
    Tatiana was extremely speedy, professional and helpful.
    Read More
  11. User Score
    10
    January 13th, 2017
    0 people found this review helpful!
    My experiences with staff of Consolidated Credit Solutions was kind, pleasant and helpful. After going through the process of getting on the program, my stress level has dropped tremendously and I am hopeful that with taking the proper steps, there really is light at the end of the tunnel! We can have a better future!
    Read More
  12. User Score
    10
    January 12th, 2017 Tolland, CT
    0 people found this review helpful!
    Tatiana was very helpful with all my questions…
    Read More
  13. User Score
    10
    January 12th, 2017
    0 people found this review helpful!
    Everyone at Credit Consolidation has been very helpful and accommodating. I just needed clarification of how the process works and Tatiana and Keisha assisted me with the process.
    Read More
  14. User Score
    10
    January 12th, 2017
    0 people found this review helpful!
    great customer service,very knowledgeable,customer focused & pleasant to work with my current status !!!
    Read More
  15. User Score
    10
    January 12th, 2017
    1 people found this review helpful!
    The best decision I made was to go with consolidate credit. What a weight lifted off my shoulders knowing I’m free of credit card debt. Everyone there was of the most courteous and professional standards, always answering any questions I had.. I would highly recommend them.
    Read More
  16. User Score
    7
    January 11th, 2017 Gatesville, TX
    0 people found this review helpful!
    The lady whom took my call was a bit nasty in her tone and a little arrogant
    Read More
  17. User Score
    10
    January 11th, 2017 Topeka, KS
    0 people found this review helpful!
    Tatiana was very helpful and answered all my questions to my satisfaction. I appreciate her help. Thank you.
    Read More
  18. User Score
    10
    January 11th, 2017
    0 people found this review helpful!
    Helpfull on top of everything.Gave me excellent info
    Read More
  19. User Score
    10
    January 11th, 2017
    0 people found this review helpful!
    I never waited more than 2 mins to be connected to an agent. I also experienced positive accurate help. This is very important to me.
    Read More
  20. User Score
    10
    January 11th, 2017
    0 people found this review helpful!
    I contacted consolidated credit regarding my Discover Bank Acct. It was only paid $99.00. I was charged $39.00 late fee. I was told that a proposal was sent to Discover. Discover Bank sent me a letter wanting the balance $274.69. The total payment was suppose to be $374.69. The customer service rep. told me that they would contact Discover Bank and get it straightened out. She was very helpful.
    Read More

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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Real Reviews (yes they’re real)

With so many debt relief companies out there, and a lack of sites willing to bring you the HONEST breakdowns of each company, what source can you turn to for the real information you can trust?

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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

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
387
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

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
387