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#26
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
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

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 5, 2017

Trinity Debt Management is a non-profit organization that provides credit counseling services, housing loans, student loans, and debt management programs. 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 counselor and get a free consultation on your debt situation. This is completely free and comes before any up-front fees. During the consultation the counselor will get the specifics of your situation, and help find the best plan, 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. Although, Trinity is a Christian debt consolidation group, you do not have to follow their beliefs to use the program.

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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. 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 with 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

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.


Contact Information

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

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.

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 – 7:00pm

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, 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 the 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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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
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

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
9.4
User Score
9.6
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
557