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#1
Consolidated Credit Reviews
Consolidation
Management
422 User Reviews  | 
1-(844) 669-4840
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    Consolidated Credit has helped over five million people negotiate their debt and become debt free. Customers usually pay 30 to 50 percent less than their current monthly payments. Though the company does not display its interest rates online, it is more transparent than most in the debt management industry and will offer low-interest rates. It does have a slightly higher upfront fee, but almost everyone who leaves a review of their experience with Consolidated Credit is overly appreciative of the courteous and knowledgeable credit counselors. Consolidated Credit is a national debt relief option because it is available in all 50 states.
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0+ views this month

Our Score
9.3
User Score
9.4

#1 Consolidated Credit

Consolidation
Management
    Consolidated Credit has helped over five million people negotiate their debt and become debt free. Customers usually pay 30 to 50 percent less than their current monthly payments. Though the company does not display its interest rates online, it is more transparent than most in the debt management industry and will offer low-interest rates. It does have a slightly higher upfront fee, but almost everyone who leaves a review of their experience with Consolidated Credit is overly appreciative of the courteous and knowledgeable credit counselors. Consolidated Credit is a national debt relief option because it is available in all 50 states.
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#2
Consolidation
Management
294 User Reviews  | 
1-(844) 223-9104
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    The company offers a vast array of services including credit counseling, debt consolidation, debt management, and debt settlement. No fees until Accredited Debt Relief reaches a settlement. The company provides a money-back guarantee. The company is AFCC and IAPDA accredited and, for the most part, only has positive reviews. Debt settlement services are currently only available in 34 states, and customers must have over $7.5k in unsecured debt to qualify. Free consultations are always available.
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0+ views this month

Our Score
9.1
User Score
9.6

#2 Accredited Debt Consolidation

Consolidation
Management
    The company offers a vast array of services including credit counseling, debt consolidation, debt management, and debt settlement. No fees until Accredited Debt Relief reaches a settlement. The company provides a money-back guarantee. The company is AFCC and IAPDA accredited and, for the most part, only has positive reviews. Debt settlement services are currently only available in 34 states, and customers must have over $7.5k in unsecured debt to qualify. Free consultations are always available.
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#3
DebtWave Credit Counseling Reviews
Consolidation
Management
269 User Reviews  | 
1-(844) 508-4494
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    DebtWave Credit Counseling specializes in consolidating credit card debt at lower interest rates with the help of certified debt counselors for a reasonable monthly fee. Interest rates and monthly payments are low, allowing customers to save on their debt. DebtWave has an impressive list of positive reviews and incredibly loyal consumers. The company is not licensed to operate in CO, KS, MD, or NY and has limited customer service hours, which may be an issue for some customers. DebtWave Credit Counseling has been in business since 2001 and has helped over 13,000 people become debt free.
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Our Score
8.2
User Score
9.6

#3 DebtWave Credit Counseling

Consolidation
Management
    DebtWave Credit Counseling specializes in consolidating credit card debt at lower interest rates with the help of certified debt counselors for a reasonable monthly fee. Interest rates and monthly payments are low, allowing customers to save on their debt. DebtWave has an impressive list of positive reviews and incredibly loyal consumers. The company is not licensed to operate in CO, KS, MD, or NY and has limited customer service hours, which may be an issue for some customers. DebtWave Credit Counseling has been in business since 2001 and has helped over 13,000 people become debt free.
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Most Searched: Last 30 Days

#5
incharge_debt_solutions_review
Consolidation
Management
  • Monthly Fee: Up to $75
  • Up-front Fee: Up to $50
  • Offers Credit Counseling
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0+ views this month

Our Score
6.2
User Score
9.8

#5 InCharge Debt Solutions

Consolidation
Management
  • Monthly Fee: Up to $75
  • Up-front Fee: Up to $50
  • Offers Credit Counseling
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#21
CreditGuard of America Reviews
Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Offers Credit Counseling
Flame

0+ views this month

Our Score
3.0
User Score
1.6

#21 CreditGuard of America

Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Offers Credit Counseling
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#27
Trinity
Consolidation
Management
Read Review  |   |  Visit Site
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Offers Credit Counseling
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0+ views this month

Our Score
1.9
User Score
--

#27 Trinity Debt Management

Consolidation
Management
  • Monthly Fee: Undisclosed
  • Enrollment Fee: Undisclosed
  • Offers Credit Counseling
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Most Recent User Review: Consolidated Credit
  1. User Score
    10
    The outcome
    May 16th, 2018 at 2:58 pm
    0 people found this review helpful!
    Hey were very polite and helpful of getting you where you needed to pay

    Read More Consolidated Credit Reviews

  • 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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