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Trinity

Trinity Debt Management

Trinity Debt Management offers a free consultation and is accredited with the FCAA and the International Organization for Standardization (ISO).

Our Score
3.0
User Score
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Our Score
3.0
User Score
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Ratings Breakdown

Price

monthly fee
Undisclosed

Up-Front Fees

setup & activation fees
Undisclosed

Free Consultation

is one included?
Yes

Time in Business

total # of years
23 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
0

This Review is maintained by Chase Sagum

Review Last Updated: January 26, 2019

  • Free consultation: Potential clients can speak with a certified credit counselor and get a free consultation on their debt situation as well as an overview of all debt management programs and debt services provided. It is completely free and comes before any up-front fees.
  • Lacking accreditations: Despite being in business for over 23 years, Trinity does not have the fairly standard NFCC accreditation. Accreditations show a commitment to best industry practices and guarantee a certain level of quality in a company’s services. 
  • Client education: The company focuses on educating their clients on money management and helping them take control of their spending through management plans. Although Trinity is a Christian debt consolidation group, you do not have to follow their beliefs to use the debt management program.
  • Lack of transparencyTrinity does not disclose the range of interest rates, months fees, or up-front fees for any of their services. They also do not disclose the states in which they operate.
  • Our recommendation: We recommend going with a more reputable debt consolidation company such as Consolidated Credit or Accredited Debt Consolidation.

Monthly Fees

Prices are undisclosed at this time.

Up-Front Fees

Prices are undisclosed at this time.

Money Back Guarantee / Cancellation Policy

There is no contract required to enroll, and you pay fees for the months that you are enrolled.  You can leave the program at any time.  It is important to know though that if you leave a credit counseling program, your interest rates, payments, etc. may revert to their former rates.

Free Consultation

Trinity Debt Management offers free consultations under what they call “Free Debt Analysis” by calling 800-758-3844. They also request that an initial application with general information is filled out for a counselor to follow up with consumers within one business day. Name, residence, phone, and each creditor will be on the initial application.

Time In Business

23 years.

Debt Education

They offer a decent amount of educational materials and resources. Financial resources include links on the following subjects: Budgeting, credit report and credit score, bank rate and financial information, credit bureau, credit card information, credit and debt, government agencies, homeowner’s guide, insurance, and more.

Unsecured vs. Secured Loans

They assist with unsecured debts, such as: credit cards, department store cards, gas cards, medical bills, etc.  If you are not sure whether to include a creditor, gather the information (amount due, monthly payment and interest rate) and when talking to a personal financial coach for a consultation, you can receive the definitive answer.

Mobile Friendly

Yes, they offer a mobile-friendly experience on your phone and tablet.

Contact Information

Address:

11229 Reading Road
Cincinnati, OH 45241

Business Hours:

Monday-Wednesday 9:00 am – 7:00 pm

Thursday 9:00 am – 6:00 pm

Friday 9:00 am – 5:00 pm

All times are shown in as Eastern time zone

Types of Services Available

While Trinity Debt Management lists several services available on their website as being available to help with consumer debt, after talking to the personal financial coach, we were told that the bulk of their business and emphasis is on credit counseling, rather than credit consolidation or debt settlement.

Minimum Debt Accepted

None

Additional Notes

Trinity Debt Management is a Christian debt management company which can help families lower their debt by enrolling them in a debt management, debt settlement, credit counseling or debt consolidation program.  While Trinity Debt Management offers each of these services to their clients and can use a variety of tools to help their clients become debt free, they strongly advocate using credit counseling to reduce credit card payments and prevent customer’s credit scores from being too highly affected.

Online Dashboard

Trinity Debt Management does not offer an online dashboard to their customers. Their customers can monitor the status of their debt through monthly bills they receive from their creditors.

CPFC Certified

TDM’s employees are not CPFC certified, but they are all certified credit counselor through the Association of Credit Counseling Professionals.

ISO Certified

Trinity Debt Management is ISO 9001 certified.

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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
3.0
User Score
--
Rank this Company

Ratings Breakdown

Price

monthly fee
Undisclosed

Up-Front Fees

setup & activation fees
Undisclosed

Free Consultation

is one included?
Yes

Time in Business

total # of years
23 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
0
Our Score
9.2
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
26 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
425