The debt consolidation industry offers solutions to combine multiple debts, such as credit card bills, home loans, or other loans into one monthly payment. This debt management solution may be helpful for consumers with many outstanding debts, especially if they have debts with high interest rates.

Debt consolidation helps consumers develop a workable budget, pay off debt and save money for retirement by combining all debts into one easy-to-manage monthly payment. Debt counselors offer a variety of services in local offices, online or over the phone to help with a debt consolidation plan.

Top 15 Most Reviewed Debt Consolidation Companies

Freedom Debt Relief is a credit advocacy company founded in 2002 by Stanford Business School graduates. Freedom Debt Relief employs over 1,300 people who work with over 300,000 clients to help them reduce debt.
Cambridge Credit Counseling is a non-profit credit and housing counseling agency that was founded in 1996. They provide various counseling services and financial literacy education to consumers across the country.
National Debt Relief offers debt reduction, financial consultations, credit counseling, debt consolidation and education. National Debt Relief focuses on helping individuals and families get out of debt and avoid bankruptcy.
Consolidated Credit is a credit counseling firm that has been in business for over 20 years.The company has served over 5 million people and offers professional debt and budget counseling, including debt consolidation services.
Lexington Law Firm has more than 25 years of experience helping consumers repair bad credit. Their credit repair services cover bankruptcies, charge-offs and tax liens, helping their clients achieve financial freedom.
CountryWide Debt Relief has over 30 years of combined experience helps consumers find solutions to getting out of debt. The company specializes in debt negotiation, debt settlement and debt consolidation for clients.
GreenPath is a non-profit, credit counseling organization that has been helping customers get out of debt since 1961. They offer free debt counseling and specialize in helping people eliminate credit card debt.
Ovation Credit is a credit repair company that helps consumers rebuild their credit profiles. Ovation offers customizable credit programs by providing one-on-one service to make sure clients find the credit solutions for them.
Founded in 2002, Pacific Debt has settled millions of dollars in consumer debt each year. Pacific Debt offers personalized service with its enrollment and client care processes, assigning managers to each account.
Century Support Services offers custom plans to fit their clients' budgets and resolve unsecured debt as quickly as possible. Century Support has partnered with United Consumer Advocacy Network to offer their resources to clients.
Elite Financial Services is a debt settlement company that helps clients rebuild their financial lives. The professionals at Elite Financial Services do not charge for their services until settlements are reached.
Based in Camarillo, California, New Era Debt Solutions has been serving its clients since 1999. With a reputation for honesty and transparency, New Era Debt Solutions provides fast service and expert negotiation.
Family Credit Management is a non-profit credit counseling agency that has been in business since 1999. They have worked with over 100,000 people across the country to reduce their financial burdens.
Credit Solutions of America is a credit repair company that services clients in Texas, Florida, Arizona, California, New York, Illinois and more. They offer free consultation for prospective clients.
Midland Credit Management helps consumers resolve overdue financial obligations and improve their overall financial health. The company is headquartered in San Diego but works with clients all over the country.

Barbara Friedberg, MBA, MS is a former investment portfolio manager with decades of financial experience. Friedberg taught Finance and Investments at several universities. Her work has been featured in U.S. News & World Report, Investopedia, Yahoo!Finance and many more publications.

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What features should you look for in debt consolidation companies?

Do they offer credit counseling?

Before consolidating debt, the consumer should find a reputable credit counseling organization for advice on money management and debt. Some debt consolidation companies offer credit counseling services in-house. When choosing a credit counselor, there are numerous features to consider.

  • Services and seminars: Aside from one-on-one consultation, credit counseling services often offer classes and seminars about building credit.
  • Qualifications: Review the qualifications of certifications of the counselors and the agency to make sure they have the right credentials. Also, see if any substantial complaints are leveled against the counseling service.
  • Security: Most credit counseling companies have access to a lot of information, and you’ll want to make sure yours is secure. Review a counseling company’s security policy before giving them your information.
  • Fees: Getting a clear picture of any upfront or hidden fees is one way to make sure the credit counseling service is right for you. Do not sign any contract without reading it first. The counseling service should put any verbal promises regarding price in writing.
  • Planning: Credit counseling can help solve current problems, but having a good plan can help you in your financial future. Look for a credit counseling service that also helps avoid future debt problems by helping you come up with a financial plan.

Does the company help with a savings plan?

In addition to helping you with your debt, many companies offer information and assistance with setting up a savings plan. Find out if your debt counselor can help you create a savings plan to stay out of debt in the future, and make sure to review important information before agreeing to a savings plan.

  • Review contract: If you want a savings plan as part of your service, make sure it appears in your contract. That way, you can have the terms set in writing.
  • Client success: It’s always a good idea to look for reviews and success stories before setting up a savings plan. A company with a track record of success means you will work with a more experienced agency.
  • Extra service fees: Even if a savings plan is not part of your service deal, some companies offer assistance in setting up a savings plan at an additional cost.
  • Savings resources: Debt assistance agencies sometimes have robust educational resources that include classes, videos, podcasts, blogs and e-books. Many agencies offer these savings aids for free on their websites.

What qualities should you look for in a debt management service?

If you're in the market for debt consolidation, you may also want to look into debt management as well. Debt management includes learning how to pay off existing debt and stay out of debt in the future. There are a wide variety of debt management programs. Make certain when signing up for a debt management program that you understand the details, especially regarding customer support.

  • Company history: Investigate the company’s history. Find out how long the company has been in operation and how many customers they have successfully helped in the past. Look for firms that are accredited and licensed.
  • Specialized help: Consider choosing a company that specializes in your particular situation. Some companies are better at working with customers with excess credit card debt, while others focus on personal or student loan debt.
  • Customer support: You will likely want to work with a debt management company with accessible experts. Look for providers with extensive phone hours or online support in case you need to contact someone. You can also find companies that offer continued support with savings or management plans after your debt is consolidated.

How do I pay for debt consolidation services?

Debt assistance agencies offer their services at many different price points. For your debt consolidation and other debt concerns make sure you understand the pricing structure in advance and have all cost information in writing to find a payment plan that fits your needs.

  • Flat fees and package deals: Some debt companies charge a flat fee for their services. These services are often available in tiered packages, charging a flat rate for each collection of services.
  • Custom price: Some debt consolidation companies will work with you to create a unique payment plan to best fit your financial plan.
  • Payment plans: Some debt consolidation companies offer payment plans instead of upfront payment. This method of payment may be the best option if you cannot pay for services directly out of pocket.

How do I know my information is secure?

When dealing with sensitive financial information, it's important to choose a debt consolidation company that will protect your information and keep your data private. Make sure you ask about a company’s information security before giving them your information.

  • Encryption: Ask how the company communicates safely with its clients. You don’t need to know the specifics about a company’s encryption methods, but you will want to make sure your credit information is encrypted.
  • Privacy policy: Most companies will list their privacy policies on their websites or otherwise make it available to potential clients. If you cannot find a privacy policy, ask the company directly to see one.
  • Licensing: A debt management company must pass several background checks, provide proof of accreditation and endure a lengthy application process before becoming licensed. Make sure your chosen debt consolidation company has gone through the proper channels to become licensed before you give them your information.

What qualifications should a debt counselor have?

Debt counselors who work for the debt consolidation firms should be qualified to practice in your state. It is a good idea, then, to review not only the accreditation of a company but also an individual counselor’s qualifications to make sure you’re getting professional service.

  • Certification: Your debt counselor should be certified by a reputable organization and the appropriate authorities like the National Association of Certified Credit Counselors (NACCC) or the National Foundation for Credit Counseling (NFCC).
  • Education background: It’s fairly common to inquire about your counselor’s education background. Some companies also require that their counselors continue their education with seminars or in-house training.
  • Employee compensation: Sometimes, counselors earn more money by selling additional services. This compensation model can lead some counselors to push services on clients that they may not need. Salaried employees will be more likely to have the consumer’s best interests in mind.

What types of debt consolidation counseling services are there?

Credit counseling

Credit counseling is the most common form of debt counseling. Most credit counseling plans are designed to teach consumers basic principles of debt reduction and how to avoid future debt and credit problems.

Housing counseling

Housing counselors help with mortgage debt and can also advise renters, people interested in buying a new home and seniors who want to take advantage of reverse mortgages. Housing counseling coupled with debt consolidation service can help people avoid foreclosure on their homes or people who want to take advantage of different government programs.

Bankruptcy counseling

Federal law stipulates anyone considering filing for bankruptcy must seek counseling before filing. They are also required to complete an education course before filing. Sometimes, debt consolidation can help clients avoid bankruptcy.

Student loan counseling

Student loans are difficult to repay. Some debt consolidation offer counseling services that help with student loan debt in particular. The counselor will help the student evaluate and understand her repayment and assistance options.

Who can benefit from debt consolidation?


The most common clients for debt consolidation are consumers who have built up debt through overspending. Credit card or vehicle debt can compound if it goes unchecked. Debt consolidation can help unify these charges into one manageable monthly payment.


College and advanced degrees are expensive investments, often saddling students with an exorbitant amount of debt. Debt consolidation can help former students pay back their student loans and lower interest.

Unemployed people

People who are unemployed may accrue more debt than they can pay back immediately. They may benefit from debt consolidation and counseling to help them repay their debt with manageable payments.

Small business owners

Starting a small business requires a lot of capital and may involve going into debt to cover start-up costs. Small business owners can benefit from debt counseling and possibly debt consolidation to make sure they stay on top of their payments while funneling money into their new business.

Average consumer

Sometimes the cost of living and lack of proper financial education can lead consumers to take on more debt than they can repay in a reasonable amount of time. Unexpected expenses or job loss can also lead to excess debt. Consumers with too much debt from multiple sources can benefit from debt consolidation.

Company reviews

  • Cambridge Credit Counseling Corp.

    Cambridge Credit Counseling was established in 1996 and works to provide credit counseling, debt management programs and financial literacy education to clients across America. It is a non-profit company and specializes in credit, housing, reverse mortgage and bankruptcy counseling and debt reduction services.

    • Free credit counseling: Non-profit Cambridge Credit Counseling offers free credit counseling by nationally certified debt experts to consumers who need to find ways to get out of debt.
    • Services: Cambridge Credit Counseling offers a variety of counseling services covering topics such as credit cards, housing, reverse mortgages, foreclosures, bankruptcy and overall financial education.
    • Expertise: Company counselors have, on average, 13 years of experience and hold national certifications through the Association for Financial Counseling and Planning Education, the Partnership for Financial Education, NeighborWorks and the United States Department of Housing and Urban Development.
    • Credentials: Cambridge Credit Counseling is a 501(c)(3) non-profit credit and housing counseling agency. Cambridge is an ISO 9001:2008 organization, which means its credentials are recognized worldwide.
    • Best for clients with excessive credit card debt, mortgage debt, student loan debt and individuals in need of credit counseling.
  • Freedom Debt Relief

    Freedom Debt Relief is a credit advocacy and debt resolution company that has resolved over $4 billion in debt for its clients. Freedom Debt Relief has over 900 highly-trained professionals at their company. Their individualized approach first reviews every customer’s personal situation to determine whether they are the best fit for the company. If the company can’t help the consumer, they refer them to a more suitable agency.

    • No fees upfront: Freedom Debt Relief doesn't charge any fees until after they have resolved your debt.
    • Training: Employees receive in-depth training and frequent quality assurance monitoring.
    • Customer support: Customer support specialists are available online 24/7, and an online consumer portal to help clients stay informed and in control.
    • Certifications: The company is a Platinum Member of the International Association of Professional Debt Arbitrators (IAPDA), a Charter Member of the American Fair Credit Council and accredited by BSI Management Systems.
    • Services: Freedom Debt Relief offers options for debt management such as debt settlement, credit counseling, debt consolidation and additional methods of financial assistance.
    • Bankruptcy: Freedom Debt Relief can help consumers work through their bankruptcy plans and options as well as manage their debts.
    • Best for consumers worried about bankruptcy, over-spenders and individuals with excessive credit card debt.
  • Lexington Law

    Lexington Law was founded in 1991 and helps consumers understand their rights regarding credit reports and credit repair. With over 25 years of experience helping consumers repair bad credit, Lexington Law offers financial education and credit repair services.

    • Fees: Lexington Law doesn't ask for any payment upfront. Consumers pay only after services are rendered.
    • Security: They offer legal services in a private and professional manner and protect your personal information.
    • Debt consolidation service: Lexington Law focuses on credit repair, which sometimes involves debt consolidation. Lexington Law can help consolidate medical debt, credit card debt and more to improve your credit.
    • Pricing plans: Lexington Law offers three monthly plans based on the consumer’s credit repair needs. Their prices are $79.95, $99.95 and $119.95. More services are offered as price increases.
    • Best for consumers and small business owners with negative items on their credit.
  • Consolidated Credit Counseling Services

    Consolidated Credit has been in business for over 20 years and has helped over 5 million people eliminate debt. The company offers a wide range of debt assistance programs including debt management, credit improvement, avoiding foreclosure and bankruptcy plans. Consolidated Credit also offers a strong counseling and financial education component.

    • Accredited: Consolidated credit is an ISO 9001:2000 Registered Organization, meaning that its credentials are recognized worldwide.
    • Certified professionals: The majority of their counselors and staff are certified financial counselors (CFC). They are required to renew their certifications every three years and undertake additional training.
    • Services: They offer an extensive list of services such as debt management, debt consolidation, counseling, consumer credit rights information and helpful calculators. Their financial advice offerings include webinars and individual counseling about topics like budgeting, credit reports, credit scoring, student loans and more.
    • Free assistance: Consolidated Credit offers a host of free calculators to help estimate credit card debt repayment, credit score loan cost, debt-to-income, debt restructuring, savings and more. Their online educational resources are easily accessible from their website.
    • Customized programs: The company offers customized programs to help tailor debt relief solutions to the client’s personal needs.
    • Support: The company’s online chat support populates with the first visit to the site. Consolidated Credit offers easy access to company services through their phone support. There is a walk-in branch in Ft. Lauderdale, Florida.
    • Best for individuals and small business owners with debt and credit issues, homeowners facing foreclosure and those seeking extensive financial education resources.
  • GreenPath Financial Wellness

    Established in 1961 as Michigan Credit Union League, GreenPath debt solutions has grown into a full nonprofit financial services organization. The company has offices across the country and helps more than 200,000 people annually.

    • Recognition and certification: GreenPath was one of the first agencies approved by the U.S. Department of Justice to provide bankruptcy counseling and education services. GreenPath’s accreditations include the Council on Accreditation (COA), National Foundation for Credit counseling (NFCC) and The U.S, Department of Housing and Urban Development (HUD).
    • Free counseling: The company offers free credit and debt counseling along with financial education. Their other services are available for low and transparent fees.
    • In-person help: GreenPath has offices in all 50 states to help clients who prefer to seek help in-person.
    • Services: GreenPath helps with credit counseling, debt management, housing issues, student loan debt, credit report problems, reverse mortgages and bankruptcy. Their extensive GreenPath University provides financial education and includes financial calculators, eLearning, videos and webinars.
    • Credit report support: They have specialists to help clients review their credit report and improve their credit score.
    • Bankruptcy: The company is approved by the U.S. Department of Justice to provide counseling needed to file Chapters 7 or 13 bankruptcy.
    • Best for individuals with, credit card, student loan debt, credit report problems and bankruptcy.
  • CountryWide Debt Relief

    CountryWide Debt Relief is a 30-year-old debt settlement company that educates its clients about options to avoid bankruptcy. The firm is a proactive company that negotiates with debtors, coordinates repayment and teaches clients about improving their credit scores.

    • Services: CountryWide provides debt settlement, debt consolidation, consumer credit counseling and bankruptcy guidance services.
    • Debt settlement: CountryWide Debt Relief negotiates with debtors to help lower the total repayment of clients' credit card and unsecured debts.
    • Debt consolidation: CountryWide Debt Relief helps clients consolidate debt into a single, low-interest loan to lower their monthly debt payments.
    • Bankruptcy advice: CountryWide Debt Relief helps clients explore debt repayment strategies to avoid bankruptcy and its impact on their credit histories.
    • Debtor communication: Since many people find it stressful to negotiate with their debtors, CountryWide Debt Relief handles all communications with creditors.
    • Fees: CountryWide Debt Relief charges a flat, 18 percent fee only after the debts are settled.
    • Best for consumers who want to avoid bankruptcy by consolidating their debts.
  • Elite Financial Services

    Elite Financial Services is a debt settlement company that can help consumers eliminate debt in as little as 12 months. They only charge consumers a fee once they have successfully settled their debts, which can ease the financial burden of debt settlement.

    • Educational programs: Elite’s website has three educational programs that are available as free resources for anyone, including people who are not clients. These programs are designed to educate consumers about debt and money management.
    • No pre-payment penalties: Elite does not charge penalties for getting out of debt sooner than expected. Clients can pay more than their regularly scheduled payment to get out of debt faster without consequences.
    • Free consultation: Prospective clients can schedule a free consultation with a debt settlement professional to discuss debt settlement options before deciding to enroll in Elite’s debt settlement program.
    • No upfront fees: Elite does not charge service fees until they are able to settle your debt. Once they settle one of your enrolled accounts, you will pay only the fees associated with that account. These fees are included in the monthly program deposit amounts.
    • Choose the length of your program: Elite doesn’t impose a specific length of time on their program. You will work with your debt settlement advisor to determine a length of time that allows for easy payments.
    • Best for consumers who want to set up a personalized debt settlement plan.
  • Pacific Debt Inc

    Founded in 2002, Pacific Debt Inc. was created to address the rise of consumer debt in the United States. Since its founding, Pacific Debt has settled millions of dollars in consumer debt each month by offering counseling and solutions that put the customer first.

    • Free educational resources: Pacific Debt has several free educational resources posted online with subjects like basic budgeting tips, money management advice for newlyweds, insurance purchasing guides and more.
    • Client Care: Pacific Debt has a small team of dedicated Client Care professionals to help consumers gather the right documents, manage creditor calls and anything else they need.
    • Personal Account Manager: When clients start settling their debts, Pacific Debt assigns them Personal Account Managers. These managers give each consumer personal attention and work closely with consumers to keep them up to date on their progress or any upcoming negotiations.
    • Blog: Pacific Debt hosts a blog to keep consumers up to date with articles about debt and financial management.
    • Free consultation: Consumers can get a free consultation with a debt specialist to see if Pacific Debt’s services are right for them.
    • Best for consumers who are looking for debt solutions from a company that focuses on tailored customer service.
  • National Debt Relief

    National Debt Relief helps consumers find relief from burdensome debt with their debt settlement services. They offer alternatives to bankruptcy along with educational resources for people who are considering filing for bankruptcy.

    • No upfront cost: There are no upfront fees to use National Debt Relief’s services, and you pay only when they succeed in reducing your debt. Fees range from 20-25 percent of the total paid debt.
    • Free budget planner worksheets: Start managing your budget by downloading a free budget planner worksheet from National Debt Relief’s website. This tool will help you figure out if you will have a surplus or deficit at the end of the month based on your monthly income and expenses.
    • Location-specific resources: Find out about your state's debt laws on National Debt Relief’s website. If National Debt Relief does not operate in your state, you can still learn about ways to manage your debt.
    • Quick qualification: Fill out a short form on National Debt Relief’s website to see if you qualify for debt relief. A representative will contact you quickly to help you figure out your next move.
    • Customer success record: Over 99.9 percent of National Debt Relief's clients pay off their debts and do not need to return for future help.
    • Best for overspenders and people dealing with consumer debt.
  • Century Support Services

    Century Support Services is a debt settlement company that was founded in 2012 with headquarters in Pennsylvania. Century Support Services helps consumers reduce their debt by negotiating with companies to forgive a significant amount of unsecured debt.

    • AFCC Accredited: Century Support is an accredited member of the American Fair Credit Council (AFCC), an agency dedicated to advocating for consumer-centric legislation related to debt relief.
    • No upfront fee: Consumers who use Century Support will not have to pay any upfront fees. They will only pay fees on individual accounts as they are settled.
    • Newsletter: Century Support clients receive a free monthly newsletter that includes informational articles and tips for managing money.
    • Client surveys: Century Support frequently surveys their clients and uses the survey results to improve their services. Interested consumers can read client testimonials on the company’s website.
    • Clear communication: Clients can log in to their MyCentury account to access important paperwork, authorize settlement terms, view their overall enrolled debt status and contact company representatives.
    • Best for people with unsecured debt who want to quickly reduce the amount they owe.
  • New Era Debt Solutions

    New Era Debt Solutions has been offering people debt relief options since 1999. It provides debt settlement programs for multiple types of unsecured debt, including credit cards, personal lines of credit, repossessions, judgments and private student loans.

    • Focus on transparency: New Era offers its clients multiple benefits to ensure that it remains transparent and provides fair services. None of its debt settlement programs have upfront or add-on fees. New Era handles each program from beginning to end and will not pass anyone off to another company.
    • Multiple debt types: New Era offers debt relief solutions for multiple types of debt. People can qualify for relief programs for debts involving credit cards, department store cards, signature loans, personal lines of credit, repossessions, judgments and private student loans.
    • Credit counseling: New Era provides a credit counseling debt relief program. Credit counseling allows people to make a single monthly payment to a credit counseling agency. That agency pays the client's creditors at lower interest rates, allowing the client to pay off the debt faster.
    • Debt negotiation: New Era will help negotiate the principal balance owed to make it more affordable. This is a popular, less expensive form of debt settlement.
    • Debt consolidation: New Era helps clients take out a larger, low-interest loan to pay off higher-interest unsecured loans.
    • Best for clients looking for a transparent debt consolidation company.
  • Consolidated Credit Counseling Services of Canada

    Consolidated Credit Counseling Services of Canada, Inc. is a nonprofit credit counseling organization that helps Canadians eliminate their debt responsibly. Their educational resources guide consumers to handle their current debt and learn money management skills that can prevent debt in the future.

    • Best for for Canadian individuals, families and businesses.
  • Family Credit Management

    Nonprofit Family Credit Management, a credit counseling agency has been in business for more than 20 years. The company has helped over 100,000 people get out of debt.

    • Best for consumers, families and small business owners with overdue credit card debt and other loans.
  • ClearPoint Credit Counseling Solutions

    Clearpoint Credit Counseling is a non-profit, education-focused credit counseling firm committed to teaching consumers better money management skills. Founded in 1964, the firm offers budget, debt and housing advice. The company is headquartered in Atlanta, Georgia and has more than 40 branches nation-wide.

    • Best for individuals with excessive debt looking for counseling and educational resources.
  • Money Management International

    Money Management International, founded in 1958, is a non-profit, full-service credit counseling agency in the U.S. Their services include professional financial guidance, credit, bankruptcy and housing counseling, as well as education and debt management services.

    • Best for overspenders, students, homeowners, the unemployed and those in need of financial counseling.
  • Debt Counseling Corp.

    Debt Counseling Corp. is a not for profit debt consolidation company with a program to help clients manage their excessive debt. The company employs certified credit counselors and was founded in 1995.

    • Action plan: The firm offers an action plan tailored to the consumer’s specific needs to help lower consumers’ interest rates and monthly payments.
    • Accreditation and licensure: Debt Counseling Corp. is a licensed 501 (c) (3) nonprofit organization and is accredited by BSI for ISO 9001:2008. The company is also licensed by the New York State Department of Financial Services.
    • Fees and payments: Debt Counseling Corp. charges a combined monthly fee that includes a service charge and a debt repayment amount payable to the company, who then pays the consumer’s creditors.
    • Free debt analysis: Debt Counseling Corp. provides free debt analysis for clients before they choose to enroll in their service. Once enrolled, program participants are eligible to continue free debt counseling.
    • Education: Debt Counseling Corp. offers an online library, newsletter and free in-person seminars for those consumers who live near their home office.
    • Best for consumers with excessive credit card debt and those living paycheck to paycheck.

  • InCharge Debt Solutions

    InCharge is a 501 (d) (3) non-profit organization offering free and impartial debt relief solutions to consumers struggling with debt. In business since 1997, InCharge’s Certified financial counselors have helped 1.2 million people with credit card debt and people facing bankruptcy and foreclosure.

    • Best for over-spenders, students, homeowners and others with credit card debt.
  • Square One Resolutions

    Square One Resolutions specializes in solving student loan debt. The firm gathers the client’s student loan information and additional details and works with attorneys and lenders to resolve the underlying debt. They have a variety of programs designed for the individual’s specific situation.

    • Best for former students of private institutions of higher education with excessive student loan debt.
  • Superior Debt Relief Services

    Founded in 1998, Superior Debt Relief Services is a debt settlement and consolidation company committed to helping clients become debt free. The company attempts to negotiate the consumer’s debt to lower the total amount due. The firm uses ethical approaches to reduce debt for qualifying clients.

    • Best for people with excessive debt loads and consumers looking to have their debt interest payments lowered.
  • 7 Steps to 720, LLC

    7 Steps to 720 is an education and information company devoted to helping individuals reach their highest possible credit scores. For a one-time fee, 7 Steps to 720 provides several tools that make it possible for individuals to reach credit scores of 720, even if they’ve had financial problems in the past.

    • Information topics: The firm has a wealth of information and referrals across a broad spectrum of money-management and debt related topics, including credit scores, credit reports, credit cards, bankruptcy and FICO.
    • Additional services: 7 Steps to 720 provides additional information and referrals to appropriate attorneys and other credit-related services.
    • Credit expertise: 7 Steps to 720 provides straightforward answers to some of the most common questions people have about how credit scores are determined, what credit scores mean and why they are important. Members have access to tutorials that explain how to read credit reports and fix errors that may harm credit scores.
    • Step-by-step lessons: Online video lessons from 7 Steps to 720 provide step-by-step instructions to help members understand credit rating systems and how consumers can improve their credit scores within just a couple of years. 7 Steps to 720 also hosts accessible action guides for using credit cards strategically to improve credit as quickly as possible.
    • User forum: 7 Steps to 720 provides a user forum where members can discuss lessons from the website and share additional tips for improving credit scores.
    • Fee: The one-time fee includes step-by-step lessons, action guides and a user forum on a secure portal.
    • Best for for people looking for specific tactics to improve their credit score and to learn how to manage debt.

16 – 39 Most Reviewed Debt Consolidation Companies is a free online service that lets consumers compare rates on monthly bills to reduce the cost of living. They work with over 500 service providers on services such as home loans, credit cards, and insurance.
CareOne Credit is a debt relief service that has helped over 5 million people improve their financial standing. They offer personalized debt consolidation counseling and a six-month money back guarantee on their services.
Located in McKinney, Texas, National Credit Solutions offers credit consultation, debt negotiation and numerous other financial services to clients. Their financial consultants are experts trained to know everything about credit.
Consolidated Credit Counseling Services of Canada is a non-profit credit counseling organization that's helped Canadians remedy their debt problems since 2005. They provide free educational resources and debt analysis tools.
Meredian Financial Corporation helps consumers manage their debt with a suite of educational resources. Meredian’s staff works to improve your financial management and consolidate your debt to a manageable payment.
The Debt Relief Network is a debt relief services company that has been helping debtors since 2001. They help with services such as student loan consolidation, tax debt relief, bankruptcy help and more.
Home Savers USA is a foreclosure mediation and consulting firm based in Dallas, Texas. They are licensed by the Texas Insurance Commission and help with partial claims, forbearances, legal assistance and loan modifications.
Debt Settlement of America is a debt settlement company that specializes in helping individuals with financial hardships avoid bankruptcy. They help with debt settlement and debt negotiation.
Clear Debt Solution is a debt relief services company. Though it continues to offer support to pre-existing clients, the company is no longer accepting any new business.
Century Negotiations Inc. is a debt relief agency that specializes in debt settlement and negotiation services. The company was founded in Pennsylvania in 1999 and has settled over $600 million in debt thousands of clients.
Preferred Financial Services is a debt settlement company that helps consumers reduce credit card debt by negotiating with creditors. They are based in Andover, Massachusetts and work with thousands of clients across the country.
American Consumer Credit Counseling is a nonprofit credit counseling agency that helps consumers bring down their debt. They have been in business since 1991 and offer free debt and credit counseling to clients.
Founded in 2003 in Tulsa, Oklahoma, Global Client Solutions provides account management and debt settlement solutions to clients. They specialize in providing disbursement accounts that help consumers save money.
CuraDebt began helping individuals and small business manage their debts in Irvine, California before expanding nationally in 2000. The company has a team of dedicated professionals and an in-house debt management program.
First Financial Group is a financial services organization that focuses on helping clients. They are headquartered in Clearwater, Florida and specialize in protecting current assets, investment goals and tax reduction.
Consumer Debt Solutions was founded in June of 2000 in Doral, Florida and is a debt solutions directory and information resource. They compile information for consumers about a variety of debt and credit related services.
For over 50 years, Clearpoint Credit Counseling Solutions has been providing customers with financial advice. They are headquartered in Atlanta, Georgia and have more than 50 branches around the country.
Geared toward recent grads who need to restructure student loan debt, Square One Resolutions offers basic private loan protection. Consultants work with clients to tailor solutions to their specific circumstances and needs.
Founded in 1958, Money Management International is a non-profit full service credit counseling agency. The company provides credit counseling, debt management assistance, community educational programs and more.
InCharge Debt Solutions is an organization that provides free and impartial debt relief solutions to consumers that are struggling with debt. They are based in Orlando, FL and have helped over 3 million people get out of debt.
Superior Debt Relief Services has negotiated debt settlements with credit card companies since 1998. The company also provides educational services that teach clients how to avoid debt in the future.
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