Consolidated Credit Reviews

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Edited by: Amanda Futrell

About Consolidated Credit

Consolidated Credit is a debt relief and credit counseling company with over 30 years of experience. It offers comprehensive debt management programs to help consumers pay off credit card debt and get back on track financially.

Consolidated Credit works with most major banks and financial institutions in the U.S.

Pros
  • Over 30 years of experience
  • Works with over 1,600 creditors
  • No enrollment fee or charge for initial call
Cons
  • Monthly fees are a bit high
  • No online application process

Helpful Reviews

Duncan, SC
Verified purchase
Consolidated has been a blessing. The creditors agreed to the settlement offers and I haven't had anymore phone calls or threats to be sent to collections. They are not a credit r...

Read more

Miami, FL
Verified purchase
Excellent service, lower payments on high interest old cards. I always use the service because sometimes creditors charge higher interest rates, and as a new credit card holder we...

Read more

What is Consolidated Credit?

Consolidated Credit is a debt relief and credit counseling provider founded in 1993. The company offers comprehensive debt management programs to help clients get their debts paid off and their finances back under control.

Consolidated Credit works with over 1,600 creditors, including most major credit card companies, banks and retailers in the U.S.

How does Consolidated Credit work?

The debt relief process with Consolidated Credit starts with a phone call. This initial consultation and credit counseling session is free of charge, and there’s no obligation. The company says the call typically takes 30 to 60 minutes, during which a credit counselor will walk you through your options.

If you decide to move forward, you can enroll in the Consolidated Credit debt management plan. The company contacts each of your creditors to request lower interest rates and fee waivers, but you still repay the full balance through the debt management plan. You make monthly payments to Consolidated Credit, and it then distributes those payments to your creditors.

The Consolidated Credit debt management plan generally takes 36 to 60 payments to complete.

Consolidated Credit services

Consolidated Credit offers two main services: credit counseling and a comprehensive debt management program. The company’s website provides a number of resources to help educate consumers on financial matters.

Consolidated Credit also offers specialized credit counseling and financial education services in the areas of housing, corporate financial wellness and money management for military personnel.

» COMPARE: Top-ranked credit counseling services

Consolidated Credit costs

There’s no charge for the initial credit counseling call with Consolidated Credit. The debt management plan does carry fees. How much you pay each month varies based on the state you live in.

The company states that the average monthly payment is $40, with a maximum of $79, regardless of location. These fees are included in your monthly payment to the company.

Consolidated Credit FAQ

How does Consolidated Credit affect your credit?

Consolidated Credit’s debt management plan should have a neutral or even positive effect on your credit. Since it’s not a debt settlement, the overall long-term impact should be minimal.

How long does Consolidated Credit’s debt management plan take?

Consolidated Credit’s debt management plans typically take 36 to 60 months to complete.

Where is Consolidated Credit available?

Consolidated Credit is available nationwide.

Is Consolidated Credit legit?

Consolidated Credit is a legitimate debt relief provider. The company has been in business since 1993.

Still have questions?

Do we recommend Consolidated Credit?

Consolidated Credit is an excellent option for people who want to get out of debt without a significant hit to their credit score. The company has a tremendous amount of experience in this field.

That said, those seeking debt settlement will need to look elsewhere. Consolidated Credit doesn’t reduce the amount you owe, and its monthly fees are slightly higher than some competitors.

Consolidated Credit Reviews

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    2 featured reviews
    How do I know I can trust these reviews about Consolidated Credit?
    • 4,895,222 reviews on ConsumerAffairs are verified.
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    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 17
    Verified purchase
    Customer ServicePunctuality & SpeedStaffBilling

    Reviewed April 10, 2026

    Fredericka was awesome! Nice and informative. The call was brief, enough time to get answers to my questions. A payment was processed, and a proposal was sent. Fredericka is an agent that can go straight to the point, no run arounds, fast and multitasking.

    Thanks for your vote!
    Consolidated Credit
    Response from Consolidated Credit
    Dear Aracelis,

    Thank you for taking the time to share your experience. It's a pleasure to know Fredericka delivered the high level of service you deserve! If you ever recommend us to anyone, tell them to call 877-987-3337. You can also stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

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      Verified purchase
      Customer ServiceBillingLoan ProcessRates

      Reviewed March 30, 2026

      Consolidated has been a blessing. The creditors agreed to the settlement offers and I haven't had anymore phone calls or threats to be sent to collections. They are not a credit repair company. They reach out to high interest payday loans, credit card companies etc.... to see if they will agree to a payment plan that eliminates the interest and pays the account off in a shorter time.

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Hi Lorraine,

      It's a treat to hear the program has started working for you already! We're excited to see the progress you'll make toward your goal in time. We’ve been counseling people through credit challenges for free since 1993! If you recommend us to family or friends tell them to call 877-987-3337. We’re here to be your advocate - stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

      Verified purchase
      Staff

      Reviewed March 16, 2026

      I have enjoyed working with the Consolidated Credit Solutions. It has given me another chance to get rid of my debt. The representatives are very helpful and understanding. This is the perfect solution for someone on a tight budget.

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Hi Karen,

      We appreciate the feedback and are delighted the program has been working well for you! If you’ve been happy with our service, please consider referring us to family and friends! Tell them to give us a call at 877-987-3337. Don’t forget to follow us on Facebook, YouTube, and everywhere else: https://tinyurl.com/zbuerhax

      Verified purchase
      Customer ServiceStaff

      Reviewed Jan. 21, 2026

      I was pleased to use your service at the time I needed to help my with my financial situation I had at the time. The customer service was always to speak to and very informative. I would recommend Consolidated Credit services to anyone.

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Dear Patrick,

      It's a pleasure to be part of your financial journey and we're delighted you've had the consistently high level of service you deserve! We’ve been counseling people through credit challenges for free since 1993. If you recommend us to family or friends tell them to call 877-987-3337! We’re here to be your advocate - stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

      Verified purchase
      Customer ServiceStaff

      Reviewed Jan. 6, 2026

      I'm extremely satisfied with Consolidated Credit Solutions. I understand that Consolidated Credit Solutions have met the the established goals and your attention to all my phone calls have been excellent, with every issue addressed respectfully resolved.

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Dear Helga,

      We strive to deliver stellar service and are pleased to hear that's been your experience! We appreciate the opportunity to serve you. If you ever recommend us to anyone, tell them to call 877-987-3337! You can also stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

      Verified purchase
      Staff

      Reviewed Jan. 2, 2026

      Consumer Consolidated has helped me put my finances together and get my credit score back on track. It has helped me with prioritizing my expenses. I would not be able to continue on with the running of my household without this decision. I only wish I knew about it sooner.

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Hi Olivia,

      We're delighted to hear our program has helped you in so many ways! We can't wait to see you graduate and hope you're on the path to continued financial success. If you recommend us to family or friends tell them to call 877-987-3337. We’re here to be your advocate - stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

      Verified purchase
      Staff

      Reviewed Nov. 19, 2025

      Very helpful! It has helped to relieve a tremendous amount of stress and pressure to a very sticky situation. We were able to manage our issues through a family emergency, and your team helped to handle it with grace and professionalism. I would highly recommend to others.

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Dear Diane,

      We're delighted to hear the program has helped you in real ways and that your counselor gave you the professionalism and help you deserve! We appreciate you taking the time to share your experience. If you ever recommend us to anyone, tell them to call 877-987-3337! You can also stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

      Verified purchase
      PriceStaffBillingRates

      Reviewed Oct. 7, 2025

      Excellent service, lower payments on high interest old cards. I always use the service because sometimes creditors charge higher interest rates, and as a new credit card holder we don't understand the risks. My first two cards I consolidated both because my rate was $500 per month just on interest. Now I pay $200 to the capital.

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Hi Reyna,

      It's a treat to hear your program is working so well for you! We're happy to be able to reduce your interest rates and have more of your money go towards the actual balance. We appreciate you taking the time to share your experience! If you ever recommend us to anyone, tell them to call 877-987-3337. You can also stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

      Verified purchase
      StaffBilling

      Reviewed Oct. 3, 2025

      I am very satisfied with Consolidated Credit. From the very professional agents who set my account up to the process of paying down my credit card debt, I am very pleased. I have a limited income so I feel like a weight has been lifted off my shoulders and there is light at the end of the tunnel.

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Dear Cheryl,

      We're pleased to hear not only did you find our team helpful and professional, but that the program is now providing real help to you in your financial journey! We’ve been counseling people through credit challenges for free since 1993! If you recommend us to family or friends tell them to call 877-987-3337. We’re here to be your advocate - stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

      Verified purchase
      Staff

      Reviewed Sept. 29, 2025

      I appreciate the benefits of assistance during my financial hardship journey! The representatives are always helpful and professional and I appreciate that greatly! I will refer to family and friends in the future if they need financial guidance or services! Thank you for caring.

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Hi Pamela,

      It's a treat to hear you were treated with the respect and professionalism you deserve whenever you called in. We're grateful for the opportunity to work with you and would very much appreciate any referrals you make! Tell them to call us at 877-987-3337. You can also stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

      Verified purchase
      Customer ServiceStaffFollow-Through

      Reviewed Sept. 22, 2025

      Every time I have called with a question or a problem to be solved, I have talked to a very nice person who were very knowledgeable. The situation was solved on the very first call. I'm so impressed. They have helped me through very difficult time and always hung up with a very satisfied feeling. They do what they say.

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Dear Sally,

      We strive to provide a stellar experience and are delighted you've received the high level of service you deserve! We're excited to be working with you and hope you don't hesitate to reach out to client services in the future.

      Verified purchase
      Customer ServicePriceStaffBilling

      Reviewed Aug. 25, 2025

      I have always had great phone calls and helpful customer service. The only thing I did not realize is that I am charged a $5.00 fee with each payment. Not a big deal but did not realize this was coming out of my account. Would still recommend them 100% satisfied.

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Dear Lisa,

      Thank you for sharing your experience with us. We're glad to hear you're receiving the helpful service and effective program you are looking for. We do apologize if a miscommunication occurred regarding the monthly fee and will review your call to ensure there is not a training opportunity there for future clients. If you’ve been happy with our service, please consider referring us to family and friends! Tell them to give us a call at 877-987-3337. Don’t forget to follow us on Facebook, YouTube, and everywhere else: https://tinyurl.com/zbuerhax

      Verified purchase
      StaffBilling

      Reviewed July 21, 2025

      I would highly recommend this program for anyone having a credit problem. The gentleman I spoke to today, Steve was very helpful, professional and pleasant to speak to. He provided me with good news and some suggestions that were helpful. I have approximately 15 more payments to make and couldn't be happier with the outcome. Thank you Steve and Credit Solutions!

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Hi Justin,

      Welcome aboard! We're excited to be working with you and are glad Steve provided you the high level of service you deserve. If you ever recommend us to anyone, tell them to call 877-987-3337. You can also stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

      Verified purchase
      Customer ServicePriceStaffBilling

      Reviewed July 10, 2025

      I like that I have affordable payments. I love the fact the withdraw from my account was able to be set up on my pay days. I have always had a very fair treatment on the phone when I have called in with questions. Thank you to the nice team of customer service reps that you have.

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Hi Teresa,

      We're delighted to be working with you and are more than happy to be able to make your payments more affordable and provide the high level of service you deserve! If you’ve been happy with our service, please consider referring us to family and friends! Tell them to give us a call at 877-987-3337. Don’t forget to follow us on Facebook, YouTube, and everywhere else: https://tinyurl.com/zbuerhax

      Verified purchase
      StaffBillingEase of Use

      Reviewed July 3, 2025

      I am 100% satisfied with this company and thankful to the help they are providing to me with consolidating my cards and creating less stress with paying them off. The online portal is easy to navigate. And having auto payments set up promises that everything will be on time and is hassle free!

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Dear Carrie,

      Thank you so much for sharing your experience! We're delighted to hear that our system made handling your finances easier and less stressful for you. We are thrilled to be part of your journey to financial wellness. If you ever recommend us to anyone, tell them to call 877-987-3337. You can also stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

      Verified purchase
      Customer ServiceStaff

      Reviewed June 23, 2025

      I had a very positive experience with this customer service. Call my representative was friendly and helpful, and even though I vented some of my frustration at her, she was very understanding about my disabilities and my frustration, she was willing to put in more notations in my file to h hopefully help further calls go more smoothly, so that other customer service representatives would understand my visual impairment and provide more accurate and helpful information for me. My customer service representative was also able to help clarify. Uh my issue and resolve the issue that I was calling about. She was friendly and pleasant. She was very helpful and professional. She had compassion and sympathy for my frustration and my situation. She uh was very understanding and uh Kind. It was very obvious that she had been well trained and there that she was very experienced in the customer service profession and that she had dealt with many of these types of situations in the past.

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Hi Katherine,

      Thank you for sharing your experience in such detail! We're delighted to be working with you and equally as happy to hear your counselor not only assisted you with your visual impairment but also delivered the empathy and professionalism you deserve. If you ever recommend us to anyone, tell them to call 877-987-3337. You can also stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

      Verified purchase
      StaffBillingRates

      Reviewed May 23, 2025

      I had a great experience with Consolidated Credit! From the moment I reached out, their team was professional, kind, and truly understanding of my financial struggles. They helped me set up a manageable debt management plan that significantly lowered my interest rates and monthly payments. What really stood out was the level of personal support. Within just a few months, I started to feel more in control of my finances. Thanks to Consolidated Credit, I'm on a solid path to becoming debt-free, and the peace of mind that comes with that is priceless. I highly recommend their services to anyone feeling overwhelmed by credit card debt. They genuinely care and can make a real difference!

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Dear Jennifer,

      We're delighted to be working with you and are happy to know that you received the helpful, thorough, and professional service you deserve. We appreciate you sharing your experience and are pleased the program is already benefitting you!

      Verified purchase
      Tech

      Reviewed April 4, 2025

      Thank you, I am overjoyed with the creditors' cessation of damaging my financial means and accepting a repayment plan. The first company Credit America signed me and created the contract and the creditors have left me alone, I am trying to assume control of spending and I am wishing for a bright future

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Hi Kurt,

      It's a pleasure to be part of your financial journey. Thanks for sharing your experience! If you ever recommend us to anyone, tell them to call 877-987-3337. You can also stay connected with us on our social media accounts: https://tinyurl.com/zbuerhax

      Verified purchase
      StaffBilling

      Reviewed March 10, 2025

      I am extremely thankful for this company and how easy it was to consolidate my debt and the payments being made for me. They made the process so easy and convenient. I would recommend this company to anyone needing help getting their finances in order and pay things off in a timely manner.

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Hi Sandra,

      It's a pleasure to assist you in your financial journey! Thank you for choosing to work with us and for sharing your feedback. We would love it if you did recommend us to others, feel free to tell people to call 877-987-3337 if you do!

      Customer ServiceCoveragePricePunctuality & SpeedBillingRates

      Reviewed March 1, 2025

      I started this program during Covid when everyone lost their jobs (including me) and this company pulled all of my debt into one monthly payment. The monthly payments have gone down and I did add a couple of credit cards to the programs except...except this past January they really messed up! The debt counselor told me the two new credit cards I was adding would be approved to only find out they were not and it has impacted my credit score. I am not stuck luck dealing with these bad cards (Indigo and Imagine) where they are charging me an exorbitant interest and unsubstantiated late fees.....both balances are each about $ 1,000 but with the compounded interests I am close to $1200 on each card. You are on your own. They did try to reach me to tell me that the cards were not accepted into the program!

      Lesson learned: don't assume anything! I had thought I was in good hands but not so. They claimed they sent me an email to log onto my account and according to them, my account says "do not call me". Not so. The communication here is not good and they do the very minimum to cover themselves. I am looking for a new debt management company. I recommend to shop around before you sign onto this company.

      Thanks for your vote!
      Consolidated Credit
      Response from Consolidated Credit
      Dear Lisa,

      We regret to hear you aren't fully satisfied with the program and understand your frustration regarding the Indigo and Imagine cards. We were happy to try to add those accounts to your already successful program and typically can secure agreements with creditors like them, but ultimately it is up to the individual creditor whether or not they would like to participate. We did attempt to contact you through available means to notify you of this development and hope that we can still work with you on the accounts that are currently enrolled. If you have any questions for client services or would like to make any changes to your program, please call us at 877- 201-7780.

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      Consolidated Credit Company Information

      Social media:
      Company Name:
      Consolidated Credit
      Company Type:
      Private
      Year Founded:
      1993
      Address:
      5701 West Sunrise Blvd
      City:
      Fort Lauderdale
      State/Province:
      FL
      Postal Code:
      33313
      Country:
      United States
      Website:
      www.consolidatedcredit.org

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