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Delray Credit Counseling

Delray Credit Counseling offers a free credit counseling with a certified personal finance counselor and charges a low monthly fee around $39.

Our Score
7.1
User Score
10.0

Visit Site

Our Score
7.1
User Score
10.0
Rank this Company

Ratings Breakdown

Price

monthly price range
Up to $39

Up-Front Fees

setup & activation fees
$0

Free Consultation

is one included?
Yes

Time in Business

total # of years
15 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
8

This Review is maintained by Chase Sagum

Review Last Updated: January 2, 2017

Delray Credit Counseling is a non-profit educational service dedicated to providing the tools and resources consumers require for building and maintaining credit. For 15 years Delray CC has been helping consumers discover the path to financial freedom. 

Rank Chart
Monthly Price
Accreditations
Review

#1

Up to $69
FCAA & ISO

#2

$10-$40
AFCC & IAPDA

#3

$10 - $49
ISO

#4
delray_credit_counseling_review

Up to $39
FCAA & ISO

The Good

  • Free consultation
  • Certified Personal Finance Counselors (CPFC)
  • ISO Certified

Free Consultation

For those who prefer to discuss their financial situation with a certified credit counselor, Delray CC offers a toll-free number to take advantage of a free consultation. During a one-on-one session with a Certified Personal Finance Counselor (CPFC) consumers may opt to take advantage of a debt management program to help consolidate their monthly payments into one affordable monthly installment.

Low Fees

Several variables come into play when getting down to service fees and monthly charges such as amount owed, or which bank consumers are affiliated with. Clients can expect to pay one to five percent of the debt and a monthly payment of $39. Again, fees will vary based on circumstances and state. An interest rate reduction on credit accounts will also be seen, allowing clients to pay back 100 percent of their unsecured debt more quickly. Interest rate ranges may be seen as low as six to nine percent, with up to 30 percent in overall rate reduction.

Great Educational Resources

Delray CC’s website is abundant with educational resources and tools to help consumers under any sort of financial stress discover a resolution to their dilemma. The navigation menu is piled high with information including bankruptcy, personal loans, credit card debt, and much more. Each menu option includes several subcategories for anyone seeking information to become financially literate. In addition, each page is filled with detailed information concerning the topic of choice, updated with new and fresh content each week to keep consumers up to par on the industry.

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The Bad

  • Negative reviews
  • State availability
  • Lack of transparency

Large Number of Complaints

Delray Credit Counseling has a couple of drawbacks to keep in mind. First, the company has a large number of complaints. Although they have resolved the majority of these concerns, the last thing debt burdened consumers need is another struggle with a credit counseling company.

State Availability

One thing we wish was obvious on the company’s website is its state availability. After we spent some time reviewing the company, we could not find which states Delray Credit Counseling offers it services to. We like to see it when companies are up front with this information.

Transparency

With all the information, resources, and tools the company offers; we would like to see a little more transparency as to what it is they actually offer. It can take too much time to dig through their ocean of information to find answers to specific questions.

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The Bottom Line

Delray Credit Counseling offers more educational resources than many of their competitors. At the very least, Delray’s website can be used as a resource to learn about managing credit. The amount of knowledge you can access without disclosing any personal information is incredible. Overall, we recommended calling to see if their services fit your needs, but also checking our top recommended companies.

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About Delray Credit Counseling

Delray Credit Counseling is a non-profit consumer credit counseling agency that provides several free educational resources to customers to learn about debt and financial management. Delray Credit Counseling offers customers debt consolidation loans. This allows a customer to gather all of their bad debt into a single loan with affordable monthly payments instead of several payments to various creditors. For a few customers, Delray Credit Counseling was able to help them payoff $15,000 to $20,000 of debt in approximately four years.

Price

The price of the service varies depending on the amount owed, what bank you’re working with, etc. 1 – 5 percent of monthly payment and a $39 monthly fee are a couple of payment amounts you could expect to see with Delray credit counseling. Visit request a free, no pressure consultation on their site for more specific pricing information.

Up-Front Fees

There are no up-front fees. This was pulled from the website:  “We are a non-profit agency. We charge no interest fees or late or over limit fees. A small administrative fee may be charged to cover handling costs.”

Free Consultation

Delray offers free credit consultations over the phone. If you want to have Delray contact you, fill in the form on their website with your name, phone number, time of day to call, and amount of debt owed.

Time in Business

The company was founded in 2002

Debt Education

Delray offers an array of training tools and educational articles to help consumers. Obtaining your credit score, managing debt, managing student debt, adjusting your budget, and assistance with taxes are some of the categories that their articles cover.

Delray used to distribute a monthly newsletter called Dollars and $ense. The newsletter was published from 2003 to 2007, but you can still find downloadable PDFs of each issue on their website.

Money-Back Guarantee

Undisclosed

Unsecured vs. Secured Loans

Delray Credit Counseling only offers assistance with unsecured debt.

Mobile Friendly

No. Their website looks the same on the phone as the computer.

Cancellation Policy

Delray Credit Counseling will charge $50 upon cancellation, and may or may not refund the customer’s investment, depending on the terms of the initial contract.

Contact Information

Address:

5300 W. Atlantic Ave.
Suite 200
Delray Beach FL. 33484

Email: 

[email protected]

Services Available

Delray Credit Counseling doesn’t loan money themselves. Instead, they provide debt consultation and management, as they describe below:

“Delray Credit Counseling does not loan money. We service accounts enrolled in debt consolidations programs offered by most banks and finance companies in the USA that reduce or eliminate interest rates and stop late or over limit fees.”

Minimum Debt Accepted

Unknown.

Online Dashboard

Once a customer enrolls in a debt management plan, an online account will be created for them.

CPFC Certified

DCC employees are CPFC(fincert.org) certified.

ISO Certified

Delray Credit Counseling is ISO 9001 certified.

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8 Delray Credit Counseling Reviews

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  1. User Score
    10
    May 5th, 2016
    1 people found this review helpful!
    I am so thankful to Delray for helping me get my debt, not only under control, but paid off in just a few short years. I was a “dumb kid” when I applied for some credit cards and quickly found myself in some pretty deep debt and struggling to pay it back. I am now only a matter of months away from being debt free and it feels amazing!
    Read More
  2. User Score
    10
    April 22nd, 2016 Port Orange, FL
    1 people found this review helpful!
    The processing signing up with Delray was very easy and fast. They got my interest lowered w/the credit card companies and my payment is within the range I can afford.
    Read More
  3. User Score
    10
    April 18th, 2016 Newark, DE
    1 people found this review helpful!
    Delray Credit Counseling service was a lifesaver. They created a payment plan that fit my budget and were accessible and patient with any question or concern I had along the way. I would not hesitate to offer my recommendation to a family member or close friend.
    Read More
  4. User Score
    10
    April 14th, 2016 Miami, FL
    1 people found this review helpful!
    Great company and program so far! Very courteous, and the terms and conditions were explained fully from the beginning. I have yet to call and not get an answer. Very happy customer!!
    Read More
  5. User Score
    10
    April 13th, 2016 Chambersburg, PA
    0 people found this review helpful!
    These people are so awesome. If it wasn’t for Delray I don’t know where I would be
    Read More
  6. User Score
    10
    April 9th, 2016 Somerset, KY
    0 people found this review helpful!
    I’m very pleased with the services I have received from them. I would recommend them to anyone for future use. They are very considerate and understanding anytime you need to ask any kind of questions.
    Read More
  7. User Score
    10
    May 26th, 2015
    0 people found this review helpful!
    Three and a half years ago I had to leave the USA but had debts that could not be paid off immediately, so I chose to pay back my debts through Delray Credit and I have not had one single regret. I know there are a lot of scammers out there, but believe me at no time did I have ever a worry. We agreed on a monthly payment and date each month of the payment and Delray were as account and see how they had made these payments & if I ever had a question, they were on the end of the phone and never kept me waiting. So if you are looking for a company that does what it says it will do , then trust Delray. Thank you Delray for giving me peace of mind and leaving me debt free as of today.
    Read More
  8. User Score
    10
    September 10th, 2014 Boynton Beach, FL
    2 people found this review helpful!
    I want to extend a huge thank you to Diana from DelrayCC! Not only were you extremely calming and nice, you knew what you were talking about and assured me that you could help. When I made the phone call i was nervous, embarrassed, emotional and skeptical. Diana never made me feel bad about myself once and her calm voice was very encouraging every step of the way. Because of my embarrassment I waited months and months before I got the courage to call…had I known it would have been this easy and pleasant I would have called immediately! Thank you Diana and DelRay for giving me that peace of mind that I didn’t know still existed! :)
    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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Our Score
7.1
User Score
10.0
Rank this Company

Ratings Breakdown

Price

monthly price range
Up to $39

Up-Front Fees

setup & activation fees
$0

Free Consultation

is one included?
Yes

Time in Business

total # of years
15 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
8
Our Score
9.3
User Score
9.5
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
443