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#26
Trinity

Trinity Debt Management Reviews

Reviews of Trinity Debt Management from real customers
(0 verified)

Our Score
1.9
User Score
--

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Our Score
1.9
User Score
--
Rank this Company

Ratings Breakdown

Price

monthly fee
Undisclosed

Up-Front Fees

setup & activation fees
Undisclosed

Free Consultation

is one included?
Yes

Credit Counseling

do they offer credit counseling services?
Yes

Certified 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

Overall Score

Based on ranking criteria
1.9 /10

Consolidated Credit

Compared to industry leader
9.3 /10

This Review is maintained by Chase Sagum

Review Last Updated: November 14, 2018

Trinity Debt Management, unlike most debt management companies, is a non-profit organization. They provide credit counseling services, housing loans, student loans, and debt management programs for those looking to become debt free. The company’s main focus is to help individuals get out of debt through credit counseling and debt management. While Trinity Debt Management is rich with free ebooks and resources for people in debt, there is no information on the company’s website as to how low your interest rates will drop, upfront costs, or monthly fees.

Rank Chart
Monthly Price
Accreditations
Review

#1

Up to $69
FCAA & ISO

#2

$10-$40
AFCC & IAPDA

#3

$10 - $49
ISO

#26
Trinity

Undisclosed
FCAA & ISO

The Good

  • Free consultation with certified counselor
  • Credit counseling included when you sign up
  • ISO and FCAA Accredited

Free Consultation

Before even signing up for Trinity, you’ll be able to speak with a certified credit counselor and get a free consultation on your debt situation. During which you may also get an overview of all debt management programs and debt services provided. It is completely free and comes before any up-front fees. This is standard for many debt management companies. During the consultation, the counselor will get the specifics of your situation, and help find the best debt management plan (DMP), if any, to fit your circumstances. This can give potential customers a feel for the company and if they want to work with them before signing up for anything.

Education

The company focuses on educating their clients in 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.

Best Debt Consolidation Companies

The Bad

  • No average interest rates
  • No money back guarantee
  • Missing major industry accreditations

Lack of Transparency

One of the major drawbacks with Trinity is the lack of transparency surrounding pricing. We would like to see Trinity be more forthcoming with their up-front and monthly fees. We would also like to see them give an average interest rate of what customers should expect for debt settlement and other services. Without this information, it makes it more difficult for customers to find a company that best fits their needs without having a consultation with each company. It also makes it difficult for our team to rank the company without the pertinent information. Additionally, we are uncertain about which states Trinity is licensed to operate in. This makes it difficult for potential customers to know for sure whether or not the company can help them.

Lacking some Accreditations

Although the company may be accredited by the FCAA and ISO, we weren’t able to find an accreditation with the NFCC. In fact, the company doesn’t even have a file with the organization. This is surprising considering the fact that the company has been in business for over 23 years. Accreditations show a commitment to best industry practices and guarantees a certain level of quality in the company’s services.

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The Bottom Line

At a glance, Trinity Debt Management offers services on par with some of the leading consolidation companies. They are accredited with the FCAA and the ISO. They also offer credit counseling with certified counselors. However, the average interest rates, state availability, up-front and monthly fees are undisclosed and we find that to be an issue. We would like to see more transparency on their website. Overall, we cannot recommend Trinity Debt Management at this time.

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About Trinity Debt Management

Unique of many debt settlement companies, Trinity Debt Management is a non-profit organization that offers a variety of financial counseling services to customers and emphasize Christian based morals. It offers counseling on subjects like credit, housing, student loan, and debt management. Trinity Debt Management provides an authentic debt consolidation services through their debt management plan. This debt consolidation allows for customers to gather all of their unsecured debt into one monthly payment while reducing interest rates to be able to pay off the debt in three to five years. See below for all Trinity Debt Management Reviews.


Contact Information

Website: www.trinitycredit.org
Email Address: Unknown
Phone: 800-758-3844
Hours: Monday-Wednesday 9 AM to 7 PM EST; Thursday 9 AM to 6 PM EST; Friday 9 AM to 5 PM EST
Address: 11229 Reading Road, Cincinnati, OH 45241

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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
1.9
User Score
--
Rank this Company

Ratings Breakdown

Price

monthly fee
Undisclosed

Up-Front Fees

setup & activation fees
Undisclosed

Free Consultation

is one included?
Yes

Credit Counseling

do they offer credit counseling services?
Yes

Certified 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

Overall Score

Based on ranking criteria
1.9 /10

Consolidated Credit

Compared to industry leader
9.3 /10
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

Credit Counseling

do they offer credit counseling services?
Yes

Certified Counselors

are there certified counselors on staff?
Yes

ISO Certified

is this business ISO certified?
Yes

Number of Reviews

User reviews here on BDC
424

Overall Score

Based on ranking criteria
9.3 /10